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Knowing your total blood cholesterol level is an important first step in determining your risk for heart disease. The second step is even more critical which is knowing your HDL ("good") cholesterol level. Determining the cholesterol ratio -- which is total cholesterol divided by the HDL cholesterol -- is an indicator in determining heart disease risk. Total blood cholesterol is the most common measurement of blood cholesterol. The following guidelines are provided to for you to determine your Cholesterol and heart disease risk.