I have to agree with Lucius overall. There really is no benefit to adjusting NCM. While NCM can be used as a way to reign in out of control stats, overall, you should pay for what you get. Yes, some races will cost more than others due to conception, but that is as it should be. It's essentially an accounting trick to use NCM in that, if you use them to full effect you get what you pay for and otherwise you are penalized for "potential". Seems easier just to set campaign guidelines (and enforce them), rather than fiddling with the numbers that, in one way or another will be unfair.