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 womanâs egg, on the other hand, is viable for only about one day once it leaves the ovary.). Sperm can live outside of the body for only about 20 minutes to an hour, depending on how exposed the semen is to the air and other environmental factors.To avoid the slightest risk of pregnancy, a woman should make sure that ejaculated semen doesnât get at all close to her vagina.A womanâs egg, on the other hand, is viable for only about one day once it leaves the ovary.). Sperm can live outside of the body for only about 20 minutes to an hour, depending on how exposed the semen is to the air and other environmental factors.