Abstract: Disclosed is a method for implementing a prepaid debit card with overdraft capabilities. The system utilizes a real-time overdraft privilege risk analysis scoring module to calculate scores based on several criteria. The customer accounts are established within an aggregated general ledger account and are monitored and managed by a core processor. The overdraft privilege risk analysis scoring module operates in real time per card, per transaction.

Abstract: Compositions and methods are provided for using natural waxes or wax sub-fractions to maintain healthy blood lipid profiles, illustratively by lowering total cholesterol, lowering LDL-cholesterol, raising HDL cholesterol, and/or lowering triglyceride levels. Compositions and methods are also provided to treat symptoms of metabolic syndrome, including weight gain.