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).
During this time she became a victim of extreme hypothermia and her body temperature decreased to 13.7 Â°C (56.7 Â°F), one of the lowest survived body temperatures ever recorded in a human with accidental hypothermia. BÃ¥genholm was able to find an air pocket under the ice, but suffered circulatory arrest after 40 minutes in the water.