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 is in charge of reviewing your file against the conditions of the loan program you have selected. They will confirm that all information included is accurate and seems plausible. In addition, they will verify income, debt, past rent, employment and other factors to decide if you are a good credit risk.