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.
Many lenders use automated underwriters. An automated underwriter is a computer program that examines your loan package and evaluates your risk level. If you have a simple loan and your documentation is in order, the underwriting program may approve your loan within a few days. Not all mortgage loans follow the standard formula. If the automated system turns down your loan application or if complex problems arise, your lender may send your loan package to a human being who will underwrite the loan manually.