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.
Famous Psychologists: Albert Ellis. Albert Ellis is considered by many to be the grandfather of cognitive-behavioral therapies. He is recognized as being one of the most influential psychotherapists in history. Ellis founded the Albert Ellis Institute. Albert Ellis: Albert Ellis (September 27, 1913 - July 2007) is an American cognitive behavioral therapist who in 1955 developed Rational Emotive Behavioral Therapy (REBT). The following has been adapted from the Wikipedia website. Ellis was born to a Jewish family in Pittsburgh, Pennsylvania.