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.
1 1902 Willis Haviland Carrier invented the first air conditioner to control the temperature and humidity of a printing company, marking the first time effort taken to control the temperature of the surroundings. 2  This starts the history of air conditioning. 1913 The first international refrigeration expo is held in Chicago. 2  1928 The discovery of Freon refrigerant by Thomas Midgley, Jr. 3  1930 The White House is air-conditioned. 4  1946 The demand for room air conditioners began to increase with more than 30,000 units produced on this year.