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).
Your 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.ypothermia occurs when the body gets cold and loses heat faster than the body can make it. A rectal temperature is considered the most accurate body temperature. A normal rectal body temperature ranges from 97.5Â°F (36.4Â°C) to 99.6Â°F (37.6Â°C) , and for most people it is 98.6Â°F (37Â°C) .