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.
Mortgage underwriters work with loan officers to determine the viability of loans. Based on income, debt and other financial factors, an underwriter can approve or deny the loan application for a potential borrower. Basically, he decides whether someone is a good candidate for a home loan.