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).
The lowest possible temperature, or absolute zero as it is called, is -459.67Â°F (-273.15Â°C).It is also called 0 kelvin, a scale with increments equivalent to degrees of Celsius, but which uses absolute zero rather than water's freezing point as its starting point. This is the point at which all atomic motion ceases.he lowest possible temperature, or absolute zero as it is called, is -459.67Â°F (-273.15Â°C).