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).
An abnormally low body temperature (hypothermia) can be serious, even life-threatening. Low body temperature may occur from cold exposure, shock, alcohol or drug use, or certain metabolic disorders, such as diabetes or hypothyroidism.ost people think of a normal body temperature as an oral temperature of 98.6Â°F (37Â°C) . This is an average of normal body temperatures. Your temperature may actually be 1Â°F (0.6Â°C) or more above or below 98.6Â°F (37Â°C) .