Total bill is the sum of all those debts, excluding financial bill to block double accounting. These different types of debt can be computed in debt/GDP ratios. Those ratios help to assess the speed of variations in the Debt Relief indebtness and the breadth of the arrears due. For example the USA have a elevated consumer arrearage and a close general debt, while in eastern European countries, for example, the opposite tends to be true.
Specific bond debts owed by both governments and private corporations is rated by rating agencies, such as Moody's, Fitch Ratings Inc., A. M. Best and Standard & Poor's. The Uncle Sam or company itself will also be given its own far between rating. These agencies assess the ability of the debtor to honor his obligations and accordingly give him a credit rating. Moody's uses the letters Aaa Aa A Baa Ba B Caa Ca C, where ratings Aa-Caa are qualified by numbers 1-3. Munich Re, for example, currently is rated Aa3 (as of 2004). S&P and other rating agencies have slightly clashing systems using capital letters and +/- qualifiers.