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).
In other words, death strikes long before the body actually freezes. The record for the lowest body temperature at which an adult has been known to survive is 56.7 F (14 C), which occurred after the person was submerged in cold, icy water for quite some time, John Castellani, also of USARIEM, said in 2010 interview.n other words, death strikes long before the body actually freezes. The record for the lowest body temperature at which an adult has been known to survive is 56.7 F (14 C), which occurred after the person was submerged in cold, icy water for quite some time, John Castellani, also of USARIEM, said in 2010 interview.