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).
Basal body temperature (BBT) method. Basal body temperature (BBT) is the lowest body temperature a healthy person has during the day. A woman's hormone levels during her menstrual cycle naturally cause her BBT to fall 1 to 2 days before ovulation and then rise 1 to 2 days after ovulation.