1 cup dry (raw) pinto bean = 670 calories and 40 grams protein. You cook this 1 cup of dry beans and end up with about 2 1/2 cups cooked beans = 611 calories and 39 grams of protein. while it appears that the numbers have changed it is only minimal and is due to the amount of water absorbed.
The role of a mortgage underwriter is to make sure that the property appraises out and that all of property tax, title insurance, homeowners insurance, and closing documents are in order and in place.
Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee.