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.
Willis Carrier: The Father of the Air Conditioner. The first modern air conditioner was invented in 1902 by Willis Haviland Carrier, a skilled engineer who began experimenting with the laws of humidity control to solve an application problem at a printing plant in Brooklyn, NY.