tried to withdraw money yesterday from bitfinex. a day passed but money is not being transferred. wrote to support twice, but they are not answering. what is going on there? anyone encountered the same problem during the last day or two? is it goxing?

I have a simple question to the bitfinex:
Do lenders bear ANY risk of trading? (In how it works you write: "You are not exposed to exchange risk when you lend with Bitfinex.")

In case there is are rapid swings in BTC price and speculators position does not cover all the losses after margin call, who covers the difference? Does bitfinex covers it, or does the lender looses some of his/her money?