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).
Cause is Key. A body temperature that is between 90F and 95F is not dangerous in and of itself. In other words, mild hypothermia or a low body temperature will not cause organs to fail or shut down. What is more important is the cause of the low body temperature, which may or may not be dangerous.