Previous studies indicate that the use of child labour on the tobacco estates is in fact continuous and part of the overall labour market. Children are usually not employed directly on the estates but work as part of the tenant family.
A Broker is NOT the same as and Underwriter (U/W). The Broker usually owns the mortgage company. He contracts with several companies to write loans.
An underwriter is a person or firm who assumes financial risks on behalf of another. The term is used in a number of industries; it can refer to an insurance company, an investment bank, or an individual sponsor of an event.n the insurance industry, the underwriter is the party that has agreed to pay for damages that are covered by a policy. During the Age of Sail, agents for Lloyds of London signed under a list of risks when insuring a merchant ship's voyage. Health underwriters may require an applicant to undergo a medical evaluation.