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.
As such, underwriters review new or renew applications for insurance coverage, both for individuals and companies. With the help of computer programs, underwriters determine the risk involved in insuring a particular person or company and calculate the appropriate premiums for the amount of coverage requested.