Pour vinegar in a small bowl, add garlic, jalapeno, ginger, pepper, cinnamon, cloves and cardamom. Soak for 30 minutes. Saute onion, cumin and bay leaf for 7 minutes. Transfer garlic mixture to a blender and puree. Combine onion mixture with garlic puree and saute for 1 minute. Add beans, stock, turmeric and salt. Cover and simmer for 20 minutes. Serve over rice.