For more information on Luigi Wewege the crook please see this video - https://www.rte.ie/news/primetime/2015/0206/678249-prime-time-05-02-2015/
More info will be available soon. He was reporting to Fraudster Ian Leaf during his term with Vivier. This crook was a proxy for Ian Leaf.
Your answer is not very satisfactory. Can you simply answer why you do not have the insurance? Most banks fail when their senior managers run away with the money. So what guarantees does your investors have? And how do we know that the liquidity ratio you are quoting is true?