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      In reality, no lendingRatings and creditworthiness Specific bond debts owed by both governments and private corporations is rated by rating agencies, such as Moody's, A. Hickory cloth would later furnish the material for some "fatigue" pantaloons and shirts in the American Civil War. The word dungarees, to identify heavy cotton pants such as overalls can be traced to a thick cotton country-made cloth, Dongari Kapar, which was sold in the quarter contiguous to the Dongari Killa, the fort of what was then known as Bombay (Hobson Johnson Dictionary). The reason that this technique keeps the player in the game so long is that there is almost a 25% chance of winning both the red and the odd and there is almost a 50% chance of breaking even (win one bet and lose the other)