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).
Sometimes a normal, healthy adult has a low body temperature, such as 96Â°F (36Â°C) . If the person with the low body temperature is not ill, does not have any other problems, and is not an infant or an older adult, then evaluation usually is not needed.our body temperature can drop to a low level at temperatures of 50Â°F (10Â°C) or higher in wet and windy weather, or if you are in 60Â°F (16Â°C) to 70Â°F (21Â°C) water. If you have mild hypothermia, home treatment may be enough to bring your body temperature back up to normal.