Problem: Joe is 22 years old. He has never smoked, has no family history of CV, metabolic or renal conditions. His total cholesterol is 210 mg/dL. His HDL is 62 mg/dL. His BMI is 31. His fasting glucose is 120. He started working out 3 days a week for 30 minutes per day 4 months ago. He is currently asymptomatic for major signs/symptoms suggestive of CV, pulmonary or metabolic conditions. How many risk factors does Joe have? What is your recommendation for medical clearance?