The combined loan-to-value (CLTV) ratio is calculated when financing a home with a first mortgage and a home equity line of credit. For example, if your first mortgage is 70% of your home's value and your home equity line of credit is 10% of your home's value, your CLTV ratio is 80%.
Hypothermia is a medical emergency that occurs when your body loses heat faster than it can produce heat, causing a dangerously low body temperature. Normal body temperature is around 98.6 F (37 C). Hypothermia (hi-poe-THUR-me-uh) occurs as your body temperature passes below 95 F (35 C).
According to various websites, including the ones listed, below, the lowest survival human body temperature depends on the individual and how long the body remains at the give â¦ n, low temperature, which may not have anything to do with the temperature of the surrounding environment (i.e., loss of body heat may be due to internal factors, such as poor nutrition, disease, illness, etc).