SUMMARY reports summarize to speedtype/FOPPS. TOTAL reports summarize to fund.
Example: Run m-Fin REVENUE AND EXPENDITURE SUMMARY for a set of speedtypes. You get one page for each speedtype. Run m-Fin REVENUE AND EXPENDITURE TOTAL for the same set of speedtypes. You get a page for each fund and then a final page summing all funds.
SUMMARY reports keep speedtypes separate. TOTAL reports do not.