The current bank account limit of CGB( 廣發銀行)is RMB 3m, and we can do one hit transaction for RMB 3m if needed. Thus I suggested RMB 3m for Fidelity insurance.In terms of Money All Risk, FLT has only very limited cash on hand or in transit. Actually both Ada and Cathie should not have more than RMB 50,000 on hand. Thus I think RMB 100,000 should be enough to cover. I have no problem to remove Elsie from the list, but still suggest to cover 3 staff due to the system requiring 3 different staff to operate.Should you have any concern, please let me know.