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).
Best Answer: The lowest POSSIBLE temperature is absolute zero, which defines 0 degrees Kelvin (-273.15 degrees C. or -459.67 degrees F.) If by 'nature' you mean ANYWHERE outside a laboratory, intergalactic space would probably offer the lowest temperatures in the known Universe.