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).
Hypothermia is a medical condition that is characterized by an abnormally low body temperature. It has three phases: mild, moderate, and severe. Mild hypothermia is classified as a body temperature of 90 - 99Â°F (or 32 - 35Â°C), moderate hypothermia at 82 - 90Â°F (28 - 32Â°C), and severe hypothermia is any temperature less than 82Â°F (28Â°C).