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).
A major cause of low body temperature, which can be dangerous, is 'immersion hypothermia', which in simple terms is cold or freezing water that causes one's body temperature to become very low.he probable causes and symptoms are elucidated in this article. Advertisement. Low body temperature is medically termed as hypothermia (pronounced: hi-po-THUR-me-ah), in which the body suffers heat loss at a much faster rate than it actually produces heat. Normal body temperature has been identified as 98.6Â° F (37Â° C).