POLYURETHANE ADHESIVE Field Embodiments relate to a two component polyurethane adhesive for a multi-layer panel that includes an isocyanate component and an isocyanate-reactive component, which includes a Lewis acid catalyst polymerized polyol. Introduction Polyurethane adhesive products may be used as fast cure adhesives in products produced in a production line, such as in the production of multi-layer panels (e.g., insulation panels). The polyurethane adhesive may be a reaction product of a two component composition, in which an isocyanate component and an isocyanate-reactive component are applied between two different layers of the multi-layer panel. For example, the polyurethane adhesive may be between a substrate and a core material of the multi-layer panel. The substrate may be a facing material of the insulation panel, such as metal, paper, thermoplastic sheet, and/or other materials known in the art. The core material may be a polyurethane foam, polystyrene, mineral wool, and/or other materials known in the art. The isocyanate component includes at least one isocyanate group containing material (such as a polyisocyanate and/or isocyanate-terminated prepolymer). The isocyanate-reactive component includes at least one polyether polyol that is produced by reacting an initiator with an alkylene oxide in the presence of a catalyst, which can also be referred to as epoxide alcoholysis. The initiator has one or more functional groups the alkylene oxide can react with to begin forming polymer chains and may establish the number of hydroxyl groups that the resultant polyether polyol will have. The use of a Lewis acid polymerization catalyst for such polymerization to form a Lewis acid catalyst polymerized polyether polyol has been proposed for use in the polyurethane adhesive, e.g., allow for appropriate reactivity and adhesion properties. Summary Embodiments may be realized by providing a multi-layer panel that includes a polyurethane adhesive that is the reaction product of an isocyanate component and an isocyanate-reactive component that includes at least one Lewis acid catalyst polymerized polyether polyol having a weight average molecular weight from 200 g/mol to 1,000 g/mol and an average primary hydroxyl group content of at least 30 % based on total number of hydroxyl groups. A Lewis acid catalyst for forming the Lewis acid catalyst polymerized polyether polyol has a general formula M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} , whereas M is boron, aluminum, indium, bismuth or erbium, R ¹ , R ² , R ³ , and R ⁴ are each independent, R ¹ includes a first fluoro/chloro or fluoroalkyl- substituted phenyl group, R ² includes a second fluoro/chloro or fluoroalkyl-substituted phenyl group, R ³ includes a third fluoro/chloro or fluoroalkyl-substituted phenyl group or a first functional group or functional polymer group, optional R ⁴ is a second functional group or functional polymer group Detailed Description Embodiments relate to a multi-layer panel that includes a polyurethane adhesive that is the reaction product of a composition with a specific type of Lewis acid catalyzed polyol. The polyurethane adhesive may allow for appropriate reactivity and adhesion properties, e.g., in comparison to merely increasing the amount of catalyst and/or using only polyols prepared with customary DMC catalyst technology and/or KOH catalyst technology. The polyurethane adhesive may be used in an insulation panel such that the polyurethane adhesive is between (e.g., directly between) a facing material and a core material of the insulation panel such as to adhere the facing material and the core material. The core material may be a polyurethane foam, such that the polyurethane adhesive is useable for adhering a polyurethane foam and a non- polyurethane facing material. The polyurethane composition for the polyurethane adhesive includes an isocyanate component and an isocyanate-reactive component that includes at least the Lewis acid catalysis polymerized polyether polyol. The isocyanate component includes at least one isocyanate group containing material (such as a polyisocyanate and/or isocyanate-terminated prepolymer). For example, the isocyanate component includes at least one aromatic polyisocyanate, such as methylene diphenyl diisocyanate (MDI) and/or toluene diisocyanate (TDI). To form the polyurethane adhesive the isocyanate and isocyanate-reactive components may be mixed and applied to the substrate just before use and/or applied separately to the substrate and allowed to mix on the substrate. The isocyanate component includes at least 50 wt% (at least 60 wt%, at least 70 wt%, at least 80 wt%, at least 90 wt%, at least 95 wt%, at least 98 wt%, etc.) of one or more polyisocyanate, based on a total weight of the isocyanate component. The isocyanate reactive component includes at least one Lewis acid catalyst polymerized polyether polyol, e.g., a least 5 wt%, from 5 wt% to 55 wt%, from 10 wt% to 45 wt%, etc.), from based on a total weight of the isocyanate-reactive component. The isocyanate component and/or the isocyanate-reactive component may include one or more additives known in the art for use in polyurethane compositions for use in adhesives and/or adhesives for multi-layer panels. The isocyanate index may be from 60 to 300 (e.g., 80 to 250, 90 to 200, 100 to 150, 105 to 140, 110 to 130, etc.). Isocyanate index refers to the stoichiometric ratio of isocyanate groups to isocyanate-reactive groups provided to the reaction mixture, multiplied by 100. It is sought to have an adhesive composition for a multi-layer panel that is effective at improved curing and adhesion, while maintaining low initial reactivity. Accordingly, it is proposed that the isocyanate-reactive component includes a Lewis acid catalyst polymerized polyether polyol having a weight average molecular weight from 200 g/mol to 1,000 g/mol (e.g., 300 to 800 g/mol, 350 to 700 g/mol, 350 to 600 g/mol, 350 to 500 g/mol, etc.), an average primary hydroxyl group content of at least 30 % based on total number of hydroxyl groups (e.g., from 30 to 95 wt%, from 40 to 80 wt%, from 40 to 70 wt%, 50 wt% to 70 wt%, 55 wt% to 65 wt%, etc.). The Lewis acid catalyst polymerized polyol may have an average hydroxyl number from 300 mgKOH/g to 500 mgKOH/g (e.g., 350 mgKOH/g to 500 mgKOH/g, 350 mgKOH/g to 450 mgKOH/g, etc.). The Lewis acid catalyst polymerized polyether polyol may have an average content of acetals defined as the weight fraction of aldehyde chemically bound in the polyol of at least 0.05 wt% based on total weight of the Lewis acid catalyst polymerized polyol. The Lewis acid catalyst polymerized polyether polyol may have a water content of at least 200 ppm. The Lewis acid catalyst polymerized polyether polyol may have a numerical hydroxyl functionality from 2 to 10 (e.g., 2 to 8, 2 to 5, 2 to 4, may be a diol or triol, and/or a diol). The Lewis acid catalyst polymerized polyether polyol may be a propylene oxide (1,2-propylene oxide) derived homopolymer and/or a propylene oxide/ethylene oxide copolymer (e.g., with an ethylene oxide content from 1 wt% to 20 wt%, based on a total weight of the alkylene oxides used to form the polyether polyol). The isocyanate-reactive component may further include at least one other polyether polyols that is each different from the at least one Lewis acid catalyst polymerized polyether polyol. By different it is meant that the polyether polyol is prepared using a different polymerization catalyst, i.e., not the claimed Lewis acid catalyst. For example, the at least one other polyether polyol may be prepared using customary polymerization DMC (double metal cyanide) based catalyst and/or a KOH (potassium hydroxide) based catalyst, but not the Lewis acid catalyst. The isocyanate-reactive component may include from 5 wt% to 35 wt% (e.g., 10 wt% to 30 wt%, 15 wt% to 25 wt%, 18 wt% to 22 wt%, etc.) of at least one polyether polyol that is different from the Lewis acid catalyst polymerized polyol. The at least one polyether polyol that is different from the Lewis acid catalyst polymerized polyol may have a weight average molecular weight from 800 g/mol to 2,000 g/mol (e.g., 800 g/mol to 1,500 g/mol, 800 g/mol to 1,200 g/mol, 900 g/mol to 1,100 g/mol, etc.). The polyether polyol different from the at Lewis acid catalyst polymerized polyether polyol may have a numerical hydroxyl functionality from 2 to 10 (e.g., 2 to 8, 2 to 5, 2 to 4, may be a diol or triol, and/or a diol). The at least one polyether polyol that is different from the Lewis acid catalyst polymerized polyol may have an average hydroxyl number from 100 mgKOH/g to 200 mgKOH/g (e.g., 120 mgKOH/g to 180 mgKOH/g, 145 mgKOH/g to 165 mgKOH/g, etc.) The at least one polyether polyol different from the at Lewis acid catalyst polymerized polyether polyol may be a propylene oxide (1,2-propylene oxide) derived homopolymer and/or a propylene oxide/ethylene oxide copolymer (e.g., with an ethylene oxide content from 1 wt% to 20 wt%, based on a total weight of the alkylene oxides used to form the polyether polyol). The isocyanate-reactive component may optionally include another at least one polyether polyol that is different from the Lewis acid catalyst polymerized polyol that has a weight average molecular weight from 200 g/mol to 750 g/mol (e.g., 300 g/mol to 700 g/mol, 350 g/mol to 500 g/mol, etc.). By different it is meant that the polyether polyol is prepared using a different polymerization catalyst, i.e., not the claimed Lewis acid catalyst. The another polyether polyol different from the at Lewis acid catalyst polymerized polyether polyol may have a numerical hydroxyl functionality from 2 to 10 (e.g., 2 to 8, 2 to 5, 2 to 4, may be a diol or triol, and/or a diol). The another at least one polyether polyol that is different from the Lewis acid catalyst polymerized polyol may have an average hydroxyl number from 300 mgKOH/g to 500 mgKOH/g (e.g., 350 mgKOH/g to 500 mgKOH/g, 350 mgKOH/g to 450 mgKOH/g, etc.). The another at least one polyether polyol that is different from the Lewis acid catalyst polymerized polyol may have an average primary hydroxyl group content of at least 50 %, based on total number of hydroxyl groups, and that is greater than the average primary hydroxyl group content of the Lewis acid catalyst polymerized polyol (e.g., from 50 to 100 wt%, from 60 to 99 wt%, from 70 to 99 wt%, 80 wt% to 99 wt%, 90 wt% to 99 wt%, etc.), The another at least one polyether polyol different from the at Lewis acid catalyst polymerized polyether polyol may be a propylene oxide (1,2-propylene oxide) derived homopolymer and/or a propylene oxide/ethylene oxide copolymer (e.g., with an ethylene oxide content from 1 wt% to 20 wt%, based on a total weight of the alkylene oxides used to form the polyether polyol). The isocyanate-reactive component may further include at least one polyester polyol. The isocyanate-reactive component may include from 5 wt% to 35 wt% (e.g., 10 wt% to 30 wt%, 15 wt% to 25 wt%, 15 wt% to 20 wt%, etc.) of at least one polyester polyol. The at least one polyester polyol may have a weight average molecular weight from 200 g/mol to 2,000 g/mol (e.g., 200 g/mol to 1,500 g/mol, 200 g/mol to 1,000 g/mol, 300 g/mol to 800 g/mol, 300 g/mol to 600 g/mol, etc.). The polyester polyether polyol may have a numerical hydroxyl functionality from 2 to 10 (e.g., 2 to 8, 2 to 5, 2 to 4, may be a diol or triol, and/or a diol). The at least one polyester polyol may have an average hydroxyl number from 300 mgKOH/g to 400 mgKOH/g (e.g., 300 mgKOH/g to 350 mgKOH/g, 310 mgKOH/g to 330 mgKOH/g, etc.) The at least one polyester polyol may be based on terephthalic acid and/or orthophthalic acid. The isocyanate-reactive component may include additional other components known in the art. For example, the isocyanate-reactive component may include at least one catalyst (e.g., amine and/or tin catalysts), at least one surfactant (e.g., silicone surfactant), at least one flame retardant (e.g., phosphate based flame retardant), at least one filler, and/or at least one colorant. Lewis Acid Catalyst Polymerized Polyether Polyol Epoxide alcoholysis is extensively employed in the synthesis of alcohols and it generally requires achieving high rates and selectivity. In a manufacturing process of producing the Lewis acid catalyst polymerized polyether alcohol, an initiator (that includes one or more initiator compounds having a numerical hydroxyl functionality of at least 1), one or more alkylene oxide monomers, and a Lewis acid polymerization catalyst may be fed into a reactor. A Lewis acid polymerization catalyst having a general formula M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} , whereas M is boron, aluminum, indium, bismuth or erbium, R ¹ , R ² , R ³ , and R ⁴ are each independent, R ¹ includes a first fluoro/chloro or fluoroalkyl-substituted phenyl group, and R ² includes a second fluoro/chloro or fluoroalkyl-substituted phenyl group, R ³ includes a third fluoro/chloro or fluoroalkyl-substituted phenyl group or a first functional group or functional polymer group, optional R ⁴ is a second functional group or functional polymer group, is used during epoxide alcoholysis according to embodiments. The Lewis acid catalyzed polymerized polyether polyol has a relatively low number average molecular weight (i.e., from 200 g/mol to 1,000 g/mol) The polyether alcohol may have a specified primary hydroxyl group content (e.g., from 30 % to 95 %, based on a total number of hydroxyl groups), as determined by selectivity from primary hydroxyl groups versus secondary hydroxyl groups. Certain primary hydroxyl content values may be sought after for specific end- use applications of surfactants and further processing to form polyurethanes, based on a desired reactivity speed. For example, some end use applications may seek a rapid reactivity speed, for which a relatively higher primary hydroxyl group content may be sought. Other end-use applications may seek a relatively slow reactivity speed, for which a lower primary hydroxyl group content may be sought. According to exemplary embodiments, a catalyst component for forming the polyether polyol utilizes the Lewis acid catalyst and optionally a DMC catalyst. For example, the Lewis acid catalyst may be used without the DMC catalyst, or the DMC catalyst and the Lewis acid catalyst may be used simultaneously or sequentially added. For example, in a DMC-Lewis acid dual catalyst system, a polymerization method may include initially adding a DMC catalyst and later adding the Lewis acid catalyst that is separately provided and allowed to react at a lower temperature than the temperature at which the DMC catalyst was added. The Lewis acid catalyst may be active at a lower temperature range (e.g., from 60 °C to 115 °C) than a temperature range at which the DMC catalyst may be active (e.g., from 125 °C to 160 °C). Polyether alcohols include alcohols that have multiple ether bonds. The polyether alcohols are produced by polymerizing an alkylene oxide component that includes at least one alkylene oxide and an initiator that includes at least one initiator compound. The initiator has one or more functional groups at which the alkylene oxide can react to begin forming the polymer chains. The main functions of the initiator are to provide molecular weight control and to establish the number of hydroxyl groups that the monol or polyol product will have. The Lewis acid catalyst may be an arylborane catalyst that has at least one fluoro/chloro or fluoroalkyl-substituted phenyl group, which may allow for improvements in the yield of the reaction. The polymerization catalyst may be fed into the reactor in an amount greater than 0 and less than or equal to 0.005 (e.g., greater than 0.0001, less than or equal to 0.003, less than or equal to 0.001, etc.) molar equivalents per mole of the initiator feed into the reactor. The Lewis acid catalyst may be active at a lower temperature range (e.g., from 60 °C-110 °C). The Lewis acid polymerization catalyst has the general formula M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} , whereas M is boron, aluminum, indium, bismuth or erbium, R ¹ includes (e.g., consists of ) a first fluoro/chloro or fluoroalkyl-substituted phenyl group, R ² includes (e.g., consists of ) a second fluoro/chloro or fluoroalkyl-substituted phenyl group, R ³ includes (e.g., consists of ) a third fluoro/chloro or fluoroalkyl-substituted phenyl group or a first functional group or functional polymer group, and optional R ⁴ is (e.g., consists of ) a second functional group or functional polymer group. As used herewithin, by fluoro/chloro or fluoroalkyl-substituted phenyl group it is mean a fluoro/chloro substituted phenyl group or fluoroalkyl-substituted phenyl group, as described below, is present. By fluoroalkyl-substituted phenyl group it is meant a phenyl group that includes a least one hydrogen atom replaced with a fluoroalkyl group. By fluoro-substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a fluorine atom. By chloro-substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a chlorine atom. By fluoro/chloro substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a fluorine or chlorine atom, whereas the phenyl group can include a combination of fluorine and chlorine atom substituents. R ¹ , R ² , and R ³ may each independently include the fluoro/chloro or fluoroalkyl-substituted phenyl group or may each independently consist essentially of the fluoro/chloro or fluoroalkyl-substituted phenyl group. The M in the general formula may exist as a metal salt ion or as an integrally bonded part of the formula. With respect to R ³ and optional R ⁴ , the functional group or functional polymer group may be a Lewis base that forms a complex with the Lewis acid catalyst (e.g., a boron based Lewis acid catalyst) and/or a molecule or moiety that contains at least one electron pair that is available to form a dative bond with a Lewis acid. The Lewis base may be a polymeric Lewis base. By functional group or functional polymer group it is meant a molecule that contains at least one of the following: water, an alcohol, an alkoxy (examples include a linear or branched ether and a cyclic ether), a ketone, an ester, an organosiloxane, an amine, a phosphine, an oxime, and substituted analogs thereof. Each of the alcohol, linear or branched ether, cyclic ether, ketone, ester, alkoxy, organosiloxane, and oxime may include from 2-20 carbon atoms, from 2-12 carbon atoms, from 2-8 carbon atoms, and/or from 3-6 carbon atoms. For example, the functional group or functional polymer group may have the formula (OYH) _n , whereas O is oxygen, H is hydrogen, Y is H or an alkyl group, and n is an integer (e.g., an integer from 1 to 100). However, other known functional polymer groups combinable with a Lewis acid catalyst such as a boron based Lewis acid catalyst may be used. Exemplary cyclic ethers include tetrahydrofuran and tetrahydropyran. Polymeric Lewis bases are moieties containing two or more Lewis base functional groups such as polyols and polyethers based on polymers of ethylene oxide, propylene oxide, and butylene oxide. Exemplary polymeric Lewis bases include ethylene glycol, ethylene glycol methyl ether, ethylene glycol dimethyl ether, diethylene glycol, diethylene glycol dimethyl ether, triethylene glycol, triethylene glycol dimethyl ether, polyethylene glycol, polypropylene glycol, and polybutylene glycol. Without intending to be bound by this theory, certain R ⁴ may help improve shelf life of the catalyst, e.g., without significantly compromising catalyst activity when utilized in a polymerization reaction. For example, the catalyst comprising M, R ¹ , R ² , and R ³ may be present in the form with the optional R ⁴ (form M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) ₁ ) or without the optional R ⁴ (form M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ ). The optional R ⁴ may dissociate step-wise from M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) ₁ to give free M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ , as shown below for M = B, which free M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ may be a catalyst for an alkoxylation/polymerization process, and/or may dissociate from M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) ₁ in a concerted or other single-step process with the alkylene oxide to give a catalyst for an alkoxylation/polymerization process.

The ability of the optional R ⁴ group to protect the boron, aluminum, indium, bismuth and erbium center from inadvertent decomposition reactions may be related to a decrease in the accessible volume of the center. The accessible volume of the center is defined as the volume around the atom, such as the boron atom, that is available for interaction with other molecules. Suitable R ⁴ groups that can help increase catalyst shelf stability, e.g., without compromising catalyst activity, include diethyl ether, cyclopentyl methyl ether, methyl tertiary-butyl ether, tetrahydrofuran, 2-methyltetrahydrofuran, tetrahydropyran, 1,4-dioxane, acetone, methyl isopropyl ketone, isopropyl acetate, and isobutyl acetate. According to exemplary embodiments, the Lewis acid catalyst is a boron based Lewis acid catalyst that has the general formula B(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0or 1} , whereas R ¹ , R ² , and R ³ are each independently a fluoro-substituted phenyl group, and optional R ⁴ is the functional group or functional polymer group. In exemplary embodiments, the boron-based Lewis acid is tris(pentafluorophenyl)borane or isopropoxy-bis(pentafluorophenyl)borane wherein ⁱ PrO is isopropoxy. According to exemplary embodiments, the Lewis acid catalyst has the general formula M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} , whereas M is boron, aluminum, indium, bismuth, or erbium, R ¹ , R ² , and R ³ are each a fluoroalkyl-substituted phenyl group, and optional R ⁴ is the functional group or functional polymer group discussed above. The M in the general formula may exist as a metal salt ion or as an integrally bonded part of the formula. R ¹ , R ² , and R ³ may each be an independent fluoroalkyl-substituted phenyl group. For example, R ¹ , R ² , and R ³ may each be the same fluoroalkyl-substituted phenyl group. R ¹ , R ² , and R ³ may include the fluoroalkyl- substituted phenyl group or may consist essentially of the fluoroalkyl-substituted phenyl group. Similarly, R ⁴ may include the functional group or functional polymer group, or consist essentially of the R ⁴ is the functional group or functional polymer group. With respect to R ¹ , R ² , and R ³ , by fluoroalkyl-substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a fluoroalkyl group, which is an alkyl group with at least one hydrogen atom replaced with a fluorine atom. For example, the fluoroalkyl group may have the structure C _n H _m F _2n+1-m , whereas n is greater than or equal to 1 and less than or equal to 5. Also, m is a number that reflects a balance of the electrical charges to provide an overall electrostatically neutral compound, e.g., can be zero, one or greater than one. The phenyl group of the fluoroalkyl-substituted phenyl may be substituted to include other groups in addition to the at least one fluoroalkyl group, e.g., a fluorine atom and/or chlorine atom that replaces at least one hydrogen of the phenyl group. For example, R ¹ , R ² , and R ³ may be a fluoro/chloro-fluoroalkyl-substituted phenyl group (meaning one fluoro or chloro group and at least one fluoroalkyl group are substituted on the phenyl group), difluoro/chloro-fluoroalkyl- substituted phenyl group (meaning two fluoro, two chloro, or a fluoro and chloro groups and at least one fluoroalkyl group are substituted on the phenyl group), trifluoro/chloro-fluoroalkyl- substituted phenyl group (meaning three fluoro, three chloro, or a combination of fluoro and chloro groups totaling three and at least one fluoroalkyl group are substituted on the phenyl group), or tetrafluoro/chloro-fluoroalkyl-substituted phenyl group (meaning four fluoro, four chloro, or a combination of fluoro and chloro groups totaling four and one fluoroalkyl group are substituted on the phenyl group). The functional group or functional polymer group R ⁴ , if present, may be as a Lewis base that forms a complex with the Lewis acid catalyst (e.g., a boron-based Lewis acid catalyst) and/or a molecule or moiety that contains at least one electron pair that is available to form a dative bond with a Lewis acid, as discussed above. In these exemplary embodiments, the Lewis acid catalysts have the following structure in which each of Ar ¹ includes at least one fluoroalkyl (Y) group substituted on a phenyl group and optionally at least one fluoro or chloro (X) substituted on the phenyl group: Whereas each Ar ¹ has the same structure. Exemplary structures for Ar ¹ are the following, referred to as Set 1 structures:

According to these exemplary embodiments, the Lewis acid catalyst is a boron based Lewis acid catalyst that has the general formula B(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0or 1} , whereas R ¹ , R ² , and R ³ are a fluoroalkyl-substituted phenyl group, and optionally R ⁴ is the functional group or functional polymer group. For example, the fluoroalkyl-substituted phenyl group is a 2,4-difluoro-3- (trifluoromethyl)phenyl group. For example, the fluoroalkyl-substituted phenyl group is a 2,4,6- trifluoro-3-(trifluoromethyl)phenyl group. In exemplary embodiments, at least one of R ¹ or R ² or R ³ is a 3,4- or 3,5-bis(fluoroalkyl)-substituted phenyl group (e.g., a 3,4- or 3,5- bis(trifluoromethyl)-substituted phenyl group). For example, R ⁴ is a cyclic ether having 3-10 carbon atoms. In another example, each of R ₁ , R ₂ , and R ₃ is a fluoro/chloro-fluoroalkyl- substituted phenyl group, difluoro/chloro-fluoroalkyl-substituted phenyl group, trifluoro/chloro- fluoroalkyl-substituted phenyl group, or tetrafluoro/chloro-fluoroalkyl-substituted phenyl group. Exemplary structures for the Lewis acid catalysts, where M is Boron are shown below: While the above illustrates exemplary structures that include boron, similar structures may be used that include other metals such as aluminum, indium, bismuth, and/or erbium. According to other exemplary embodiments, the Lewis acid catalyst has the general formula M(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} , whereas M is boron, aluminum, indium, bismuth or erbium, R ¹ includes a first fluoroalkyl-substituted phenyl group, R ² includes a second fluoroalkyl- substituted phenyl group or a first fluoro-substituted phenyl group or a chloro-substituted phenyl group (i.e., a fluoro/chloro or fluoroalkyl-substituted substituted phenyl group), R ³ includes a third fluoroalkyl-substituted phenyl group or a second fluoro-substituted phenyl group or a chloro-substituted phenyl group (i.e., a fluoro/chloro or fluoroalkyl-substituted substituted phenyl group), and optional R ⁴ is the functional group or functional polymer group. The M in the general formula may exist as a metal salt ion or as an integrally bonded part of the formula. R ¹ , R ² , R ³ and R ⁴ are each independent of each other, e.g., a fluoroalkyl-substituted phenyl group of R ¹ may be the same as or different from a fluoroalkyl-substituted phenyl group of R ² . Though, R ¹ is different from at least one of R ² and R ³ , such that each of R ¹ , R ² , and R ³ are not all the same (e.g., same fluoroalkyl-substituted phenyl group), but R ¹ may or may not be the same as R ² or R ³ . R ¹ may include the first fluoroalkyl-substituted phenyl group or may consist essentially of the first fluoroalkyl-substituted phenyl group. Similarly, R ² may include the second fluoroalkyl- substituted phenyl group or the first fluoro/chloro-substituted phenyl group, or consist essentially of the second fluoroalkyl-substituted phenyl group or the first fluoro/chloro- substituted phenyl group. Similarly, R ³ may include the third fluoroalkyl-substituted phenyl group or the second fluoro/chloro-substituted phenyl group, or consist essentially of the third fluoroalkyl-substituted phenyl group or the second fluoro/chloro-substituted phenyl group. Similarly, R ⁴ may include the functional group or functional polymer group, or consist essentially of the R ⁴ is the functional group or functional polymer group. With respect to R ¹ , R ² , and R ³ , by fluoroalkyl-substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a fluoroalkyl group, which is an alkyl group with at least one hydrogen atom replaced with a fluorine atom. For example, the fluoroalkyl group may have the structure C _n H _m F _2n+1-m , whereas n is greater than or equal to 1 and less than or equal to 5. Also, m is a number that reflects a balance of the electrical charges to provide an overall electrostatically neutral compound, e.g., can be zero, one or greater than one. The phenyl group of the fluoroalkyl-substituted phenyl may be substituted to include other groups in addition to the at least one fluoroalkyl group, e.g., a fluorine atom and/or chlorine atom that replaces at least one hydrogen of the phenyl group. For example, R ¹ , R ² , or R ³ may be a fluoro/chloro-fluoroalkyl-substituted phenyl group (meaning one fluoro or chloro group and at least one fluoroalkyl group are substituted on the phenyl group), difluoro/chloro-fluoroalkyl- substituted phenyl group (meaning two fluoro, two chloro, or a fluoro and chloro group and at least one fluoroalkyl group are substituted on the phenyl group), trifluoro/chloro-fluoroalkyl- substituted phenyl group (meaning three fluoro, three chloro, or a combination of fluoro and chloro groups totaling three and at least one fluoroalkyl group are substituted on the phenyl group), or tetrafluoro/chloro-fluoroalkyl-substituted phenyl group (meaning four fluoro, four chloro, or a combination of fluoro and chloro groups totaling four and one fluoroalkyl group are substituted on the phenyl group). With respect to R ² and R ³ , by fluoro-substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a fluorine atom. By chloro-substituted phenyl group it is meant a phenyl group that includes at least one hydrogen atom replaced with a chlorine atom. The phenyl group of the fluoro/chloro-substituted phenyl group may be substituted with other groups (such as may include a combination of fluoro, chloro, and/or hydrogens), but excludes any fluoroalkyl groups (e.g., excludes the group having the structure C _n H _m F _2n+1-m discussed above). Accordingly, the fluoro/chloro-substituted phenyl group is differentiated from the fluoroalkyl-substituted phenyl group, by the exclusion of any fluoroalkyl groups substituted on the phenyl ring. With respect to optional R ⁴ , the functional group or functional polymer group may be a Lewis base that forms a complex with the Lewis acid catalyst (e.g., a boron-based Lewis acid catalyst) and/or a molecule or moiety that contains at least one electron pair that is available to form a dative bond with a Lewis acid, as discussed above.

Whereas for exemplary structures, Ar ¹ is chosen from the following, referred to as the Set 1 structures:

Whereas for exemplary structures, Ar ² is chosen from the following, referred to as Set 2 structures: Further, the Lewis acid catalysts may have the following structures: According to exemplary embodiments, the Lewis acid catalyst is a boron based Lewis acid catalyst that has the general formula B(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0or 1} , whereas R ¹ is the first fluoroalkyl- substituted phenyl group (e.g., any structure from Set 1 structures), R ² is the second fluoroalkyl- substituted phenyl group (e.g., any structure from Set 1 structures) or the first fluoro/chloro- substituted phenyl group (e.g., any structure from Set 2 structures), R ³ is the third fluoroalkyl- substituted phenyl group (e.g., any structure from Set 1 structures) or the second fluoro/chloro- substituted phenyl group (e.g., any structure from Set 2 structures), and optional R ⁴ is the functional group or functional polymer group, as discussed above. In exemplary embodiments, at least one of R ¹ or R ² or R ³ is a 3,4- or 3,5-bis(fluoroalkyl)-substituted phenyl group (e.g., a 3,4 or 3,5-bis(trifluoromethyl)-substituted phenyl group). For example, R ⁴ is a cyclic ether having 3-10 carbon atoms. Exemplary structures for the Lewis acid catalysts, where M is Boron are shown below:

While the above illustrates exemplary structures that include boron, similar structures may be used in which boron is replaced by metals such as aluminum, indium, bismuth, and/or erbium. Further, exemplary embodiments may utilize a blend or mixture of catalysts, e.g., using one or more of the catalyst structures above. For example, referring to the other exemplary embodiments, the Lewis acid catalyst has the following structure that includes at least one 3,5-bis(trifluoromethyl)-substituted phenyl group (in this instance a 3,5-bis(trifluoromethyl)-substituted phenyl group) and at least one substituted phenyl group (i.e., Ar) independently selected from the structures shown below: The M in the general formula may exist as a metal salt ion or as an integrally bonded part of the formula. R ¹ , R ² , R ³ , and R ⁴ are each independent of each other, e.g., a Set 1 structure of R ² may be the same as or different from a Set 1 structure of R ³ . As discussed above, with respect to optional R ⁴ , above, the functional group or functional polymer group may be a Lewis base that forms a complex with the Lewis acid catalyst (e.g., a boron based Lewis acid catalyst) and/or a molecule or moiety that contains at least one electron pair that is available to form a dative bond with a Lewis acid. With respect to the above, exemplary embodiments may utilize a blend of catalyst, e.g., using one or more of the catalysts structures above. The Lewis acid catalyst used in exemplary embodiments may be a blend catalyst that includes one or more Lewis acid catalysts (e.g., each having the general formula B(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} ) and optionally at least one other catalyst (e.g., such as catalysts known in the art for producing polyether polyols). The blend catalyst may optionally include other catalysts, in which the one or more Lewis acid catalysts having the general formula B(R ¹ ) ₁ (R ² ) ₁ (R ³ ) ₁ (R ⁴ ) _{0 or 1} account for at least 25 wt%, at least 50 wt%, at least 70 wt%, at least 75 wt%, at least 80 wt%, at least 85 wt%, at least 90 wt%, at least 95 wt%, at least 99 wt%, etc., of the total weight of the blend catalyst. Exemplary other metal based Lewis acids that are active at lower temperatures may be included as part of the dual catalyst system and/or the blend catalyst. Exemplary metal-based Lewis acids are based on one of aluminum, boron, copper, iron, silicon, tin, titanium, zinc, and zirconium. For example, the added blend catalyst may include or exclude any DMC based catalysts. In exemplary embodiments, the DMC catalyst is a zinc hexacyanocobaltate catalyst complex. The DMC catalyst may be complexed with t-butanol. The DMC catalyst used in exemplary embodiments may be a blend catalyst that includes of one or more DMC catalysts. The blend catalyst may optionally include a non-DMC catalyst, in which the DMC catalysts account for at least 75 wt% of the total weight of the blend catalyst. The Lewis acid catalyst polymerized polyether polyol is formed in an alkoxylation process of low hydroxyl equivalent weight starter compounds, also referred to as the initiator, the process may proceed directly from the initiator to a finished polyether alcohol by the polymerization of propylene oxide and optionally ethylene oxide. A catalyst activation step may not be required when using the specific Lewis acid catalyst. The initiator includes one or more compounds having a low molecular weight and a numerical hydroxyl functionality of at least 2. The initiator is any organic compound that is to be alkoxylated in the polymerization reaction. The initiator may contain as many as 10 hydroxyl groups. For example, the initiator may be a diol or triol. Mixtures of starter compounds/initiators may be used. The initiator will have a hydroxyl equivalent weight less than that of the polyether product, e.g., may have a hydroxyl equivalent weight of less than 500 g/mol equivalence, less than 300 g/mol equivalence, greater than 20 g/mol equivalence, from 20 to 300 g/mol equivalence, from 20 to 200 g/mol equivalence, from 30 to 150 g/mol equivalence, etc. Exemplary, initiator compounds include, but are not limited to, ethylene glycol, diethylene glycol, triethylene glycol, propylene glycol, dipropylene glycol, tripropylene glycol, 1,4- butanediol, 1,6-hexanediol, 1,8-octanediol, cyclohexane dimethanol, glycerin, trimethylolpropane, trimethylolethane, pentaerythritol, sorbitol, sucrose, and/or alkoxylates (especially ethoxylates and/or propoxylates) any of these that have a weight average molecular weight less than that of the product of the polymerization. When the Lewis acid catalyst is used, the temperature of the reactor may be reduced at least 20 ºC as compared to when the DMC catalyst is used. For example, the temperature for use of a DMC catalyst may be from 125 ºC to 160 ºC (e.g., during a time at which a propylene oxide feed is gradually/slowly added to the reactor and after the time at which the starter compound is mixed with the DMC catalyst). The temperature for use of the Lewis acid catalyst may be from 25 °C to 115 °C and/or from 60 ºC to 115 ºC. In exemplary embodiments, the control of the relative contribution of a mixture containing an active DMC catalyst and an active Lewis acid may enable the Lewis acid to dominate the addition of oxirane onto chain ends. The polymerization reaction can be performed in any type of vessel that is suitable for the pressures and temperatures encountered. In a continuous or semi-continuous process the vessel may have one or more inlets through which the alkylene oxide, additional initiator compound, catalyst, hydrogen bond acceptor additive, air or inert gas (purge or blanket gas such as nitrogen) and optional solvent may be introduced before or during the reaction. In a continuous process, the reactor vessel should contain at least one outlet through which a portion of the partially or fully polymerized reaction mixture may be withdrawn. A tubular reactor that has single or multiple points for injecting the starting materials, a loop reactor, and a continuous stirred tank reactor (CSTR) are all suitable types of vessels for continuous or semi-continuous operations. An exemplary process is discussed in U.S. Patent Publication No.2011/0105802. The resultant polyether alcohol product may be further treated, e.g., in a flashing process and/or stripping process. The polyether alcohol may be a finished or non-finished alcohol. For example, the polyether alcohol may include the Lewis acid catalyst, or the polyether alcohol may be treated to reduce catalyst residues even though some of the catalyst residue may be retained in the product. Moisture may be removed by stripping the polyol. The polyether alcohol derived from ethylene oxide, propylene oxide and/or butylene oxide according to embodiments may have a Lewis acid catalyst concentration (in ppm in the final polyol) of from 25 ppm to 1000 ppm (e.g., 50 ppm to 100 ppm, 100 ppm to 500 ppm and/or 100 ppm to 250 ppm). All parts and percentages are by weight unless otherwise indicated. All molecular weight values are based on number average molecular weight unless otherwise indicated. Examples Approximate properties, characters, parameters, etc., are provided below with respect to various working examples, comparative examples, and the materials used in the working and comparative examples. The following materials are mainly used in the Examples: Polyol 1 is prepared as discussed in International Publication Nos. WO/2019/055725 and WO/2019/055727. In particular, a 13,000 L pressure reactor is charged with 4089 pounds of glycerin. The reaction is catalyzed using 1.45 kg of (the THF adduct of tris(3,5- bis(trifluoromethyl)phenyl)borane) (i.e., Catalyst 2). Propylene oxide (14,304 pounds) is added to the reactor at a reaction temperature of 80 °C. Upon completion of propylene oxide feed, the reaction is allowed to digest. The resulting product has approximately a number average molecular weight of 430 g/mol, a primary hydroxyl content of 59%, and a hydroxyl number of 394 mg KOH/g polyol. Polyol 2: A glycerin propoxylated polyether triol with approximately an average molecular weight of 430 g/mol, a primary hydroxyl content of greater than 95%, and an average hydroxyl number of 396 mgKOH/g, available as VORANOL™ CP 450 from The Dow Chemical Company or affiliated companies. Polyol 3: A glycerin propoxylated polyether triol with an average molecular weight of 1000 g/mol and with an average hydroxyl number of approximately 152-160 mgKOH/g, available as VORANOL™ CP 1055 from The Dow Chemical Company or affiliated companies. Polyol 4: An aromatic polyester polyol that is a terephthalic acid and >/= 50 mol% ortho- phthalic acid based polyol having a hydroxyl number of 315 mgKOH/g and hydroxyl functionality of 2.4, available as STEPANPOL® PS-3024 from Stepan Company. Surfactant: A silicone surfactant available as TEGOSTAB® B 8462 available from Evonik. Flame Retardant: A tris-chloropropyl phosphate (TCPP) based claim retardant available from Sigma-Aldrich. Amine Catalyst 1: A pentamethyldiethylenetriamine based catalyst available as Polycat® 5 available from Evonik. Amine Catalyst 2: A triethylenediamine based catalyst available as DABCO® 33 LV available from Evonik. Isocyanate: Polymeric MDI available as PAPI™ 27 from The Dow Chemical Company or affiliated companies.

Table 1 Referring to Table 1, Working Examples 1 to 3 and Comparative Examples A and B are prepared and analyzed as discussed below. Working Examples 1 to 3 include varying amounts of Polyol 1 made using the Lewis Acid catalyst, while Comparative Examples A and B do not include Polyol 1. Comparative Example B includes an additional amount of Amine Catalyst 2, which is not a preferable way to increase reactivity. For each of the examples, approximately 101.5 grams of the Isocyanate-reactive component and approximately 98.5 grams of the Isocyanate component are added to a plastic 32 oz cup to form a reaction mixture. The reaction mixture is mixed using a Heidolph mixer at 3000 rpm for 7 seconds, and then the cream time, gel time, and tack free time are measured in due course for each sample. The free rise density (FRD) is measured after allowing the sample to sit for 30 mins at room temperature. The cream time (CT), the gel time (GT), and the tack free time (TFT) are measured to understand reactivity, such that the goal is to have an overall low CT, GT, and TFT while still maintaining a similar FRD. For the evaluation of adhesion performance, the peel strength is measured in Newtons (N). CT is defined as the time when the gas reaction between water and isocyanate in the reaction mixture starts to generate carbon dioxide. For insulation panels, initial slow reactivity (first few seconds) is preferred for achieving better adhesion and more anchoring effect between the substrates, while overall fast CT is preferred for efficiency in production. GT is defined as the time period up to which the adhesive formulation remains in a flowy state. Similar, to CT initial slow reactivity is preferred to allow for positioning of the composition while still in a flowy state, whereas overall fast GT is preferred for efficiency in production. TFT is defined as the time period when the surface of the adhesive formulation ceases to be sticky. Similar to CT and GT, initial slow reactivity is preferred to allow for appropriate positioning of the components to be adhered to each other (also referred to as anchoring effect), while overall fast TFT is preferred for efficiency in production. Referring to Table 1, Comparative Example A shows the reference adhesive formulation and its performance in terms of reactivity and adhesion. Comparative Example B shows the impact of increasing the amount of an amine catalyst, while the adhesion performance is good, the working time, measured by the CT becomes substantially faster. This is undesirable and may be unacceptable in many applications that require sufficient time for proper placement of the adhesive between the two substrates (facing and core panel) forming the insulation panel. Working Example 1 illustrates the benefit of replacing part of Polyol 2 with Polyol 1, while CT is similar to Comparative Example A, the TFT time is faster, indicating faster curing speed and the potential for a faster production process. Working Examples 2 and 3 illustrate the further benefit of replacing Polyol 2 with Polyol 1, which is shown as leading to further improvement in adhesion performance and further acceleration of cure speed, while the CT remains consistent. Accordingly, it is believed that use of Polyol 1 in an adhesive composition for a multi-layer panel may be effective to improve curing and adhesion, while maintaining an appropriate initial reactivity (such as CT). Further, referring to Working Examples 1 to 3 it is shown the composition and benefits thereof can be further adjusted by varying the amount of Polyol 1 to Polyol 2 (or excluding Polyol 2), while still retaining the desirable properties.