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 term 'underwriter in the context of insurance can mean a couple of different things. An underwriter in this sense compares the characteristics of the risk submitted (application for Auto, Home, Life, Commercial Insurance etc) to the eligibility of the account based on the Company's written and implied guidelines.