History of Natural Cholesterol Balance

History of Company Officers

Lawrence D. Rink MD, FACC

Medical School

Undergraduate: DePauw University, Greencastle, IN,


Medical School: Indiana University School of Medicine, Indianapolis, IN, 1962-1966


Parkland Memorial Hospital, Dallas, TX, 1966-1967


I.U. Medical Center, Indianapolis, IN, 1971-1973


I.U. Medical Center, Indianapolis, IN, 1978-1979, 1981-1982

Fellowship Massachusetts General, Boston MA, 1986

Board Certification

Internal Medicine, 1974

Cardiology, 1983

Critical Care Medicine, 1987

Stephen T. Carney

Managing Director

Stephen T. Carney is the founder and President of Carney Capital Management in East Greenwich, Rhode Island specializing in investment management of personal, corporate and retirement assets. The Company has been in existence since July 1998.

Prior to Carney Capital, Mr. Carney was Department Head of Fleet Bank’s Pension and Profit Sharing area. His responsibilities included all sales and marketing, administration, documents and tax reporting. He formulated the plan for Fleet Bank’s entry into the 401K market in 1983. He has also worked as director of investment sales for several banks, all of who have been absorbed into larger banks.

Mr. Carney holds a Bachelor of Arts degree from Villanova University. He received his Chartered Life Underwriter designation in 1974 with studies at American College and Wharton School of Business. He is a Vietnam Veteran, serving with the United States Marine Corps.

The Product

  1. In 1909 Dr. Adolf Windaus discovered, “the property of complex formation between saponins and cholesterol.” These complexes cannot be absorbed into the blood stream and leave the body as waste.
  2. In 1975 Kritchevsky found that the saponins in alfalfa appear to be the cause of lower plasma cholesterol levels in animals fed alfalfa based diets.
  3. In 1977 Malinow provided conclusive evidence that the saponins in alfalfa were responsible by demonstrating the cholesterol-lowering activity of isolated alfalfa saponins.
  4. Saponins contain sapogenins which complex with cholesterol. Acidic sapogenins complex in the stomach and neutral sapogenins complex in the duodenum (small intestine). Alfalfa is the only known edible plant to contain both sapoqenins    
  5. By forming a complex in the primary bile (in the intestine), the alfalfa does not allow the cholesterol to oxidize as secondary bile. This oxidization is known to cause cancer in the colon.    
  6. Alfalfa sprouts are comprised of 8.7% saponins, 55% more than any other food plant and contain the most effective saponins in reducing cholesterol in the digestive tract.  
  7. The average consumption of saponins daily is 14mg. The average vegetarian consumption is 110mg. Natural Cholesterol Balance, daily, is 94mg. 
  8. Although we will require larger numbers and more information, two subjects, who have been taking NCB since September 2002 (two capsules daily) have reduced their blood pressure to normal. One had high blood pressure; the other moderately high.