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).
Very little time. : Hypothermia is defined as having a core body temperature below 95 degrees f or 35 degrees c. How long it takes to drop your body temperature to that degree is dependent on your exposure and the environmental conditions.Your body can lose heat 25 times faster in cold water than cold air. Hypothermia is defined as having a core body temperature below 95 degrees f or 35 degrees c. How long it takes to drop your body temperature to that degree is dependent on your exposure and the environmental conditions.