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).
Body temperature can vary, but it usually ranges between 97.5 and 98.9. About 5% of the population has a temperature slightly higher or lower. Low body temperature may be related to illness. But it's often related more to the way the temperature is measured than to the health of the person. Low body temperature may be associated with: However, many people with a low measured temperature are healthy and have a normal body temperature.