In general, there are two types of mortgage insurance: mortgage insurance bought from the government, designed for those with FHA loans (this is called mortgage insurance premiums or MIP) or private mortgage insurance for conventional loans which is bought from the private sector (this is called private mortgage insurance or PMI).
Operant conditioning, sometimes called instrumental conditioning or instrumental learning, was first extensively studied by Edward L. Thorndike (1874-1949), who observed the behavior of cats trying to escape from home-made puzzle boxes. When first constrained in the boxes, the cats took a long time to escape.
And in 1902, a 25-year-old engineer from New York named Willis Carrier invented the first modern air-conditioning system. The mechanical unit, which sent air through water-cooled coils, was not aimed at human comfort, however; it was designed to control humidity in the printing plant where he worked.