The point of origin of an earthquake is called the

An earthquake's point of initial rupture is called its focus or hypocenter. The epicenter is the point at ground level directly above the hypocenter.

Humid continental climate is found in the interior of continents between the 30 and 60 degrees latitude, but usually above the 40 degree line.   40 degrees north of the equator means less direct sunlight and therefore less warmth.   this climate is mainly found in the northern hemisphere since there are no major landmasses in the southern hemisphere.  if you live in northern indiana, you know all about humid continental because that is the climate type you have!