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.
Job Description for Underwriter. Underwriters work primarily in banks which handle loans and mortgages and are responsible for analyzing the risks of a loan based on the data in the application. They also oversee other information in the loan application to ensure it is accurate.