Abstract: A method of determining if the concentration of CRP in biological fluids of a mammal is above a predetermined relative risk level indicative of future cardiac problems. The method includes the steps of taking a sample of biological fluid and applying the sample to a position on a protein binding membrane. The sample is exposed to a dehydrated anti-CRP complexing agent coupled with labeling agent immobilized on the membrane to yield a conjugate which flows along the membrane by wicking action. If the CRP concentration in the sample is high enough, it binds to the conjugate as well as an anti-CRP antibody immobilized at a test position on the membrane resulting in color change at the test position.