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.
Underwriters assist applicants by explaining the various types of loans and their repayment terms. Underwriters then evaluate and analyze the financial portfolio of a loan applicant to make a final decision whether to lend money. Loan underwriters can work as mortgage, commercial or consumer underwriters.