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).
References. 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.our temperature can drop gradually as your body is exposed to cold temperatures. This could happen if: 1  You spend a lot of time in a cold, unheated indoor environment. 2  You are outside in cold weather without proper protection against the cold, wind, rain, or snow.