How can I query or view the usage and ownerships of physical memory?

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http://serverfault.com – On Windows 7 and Windows 2008 SP2, how can I view who or what is using up my memory? In the task manager I can see the memory usage of user processes of me and other users, but there's always a gap between the sum of the memory of the individual processes and the actual total used memory. I understand that several drivers need memory as well, for instance, I use a ramdisk, but it isn't visible in task manager, other than in the total memory graph. Also, it seems that a process can actually use more memory than the list of processes shows: when I killed explorer.exe, the drop in memory usage w (HowTos)