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).
Hypothermia is a dangerously low body temperature. The average normal body temperature is around 98.6 degrees Fahrenheit, or 37 degrees Celsius.If your body temperature drops to just a few degrees lower than this, your blood vessels in your hands, feet, arms, and legs start to get narrower.ypothermia is a dangerously low body temperature. The average normal body temperature is around 98.6 degrees Fahrenheit, or 37 degrees Celsius.