It is highly unlikely that pears could cause constipation, and in fact they are likely to have the opposite effect. Due to the high amount of fiber that pears contain, they are sometimes used as a remedy for constipation.
An underwriter is a company or other entity that administers the public issuance and distribution of securities from a corporation or other issuing body.
The underwriter's job is to determine if the borrower meets the criteria of the lender that will ultimately fund the loan. Summary A mortgage lender or broker has little or no interaction with the underwriter.