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.
Underwriters are also a part of the initial public offering (IPO) process in the equity market, and are part of the insurance application process. Therefore, an underwriter is any entity that is responsible for evaluating and assuming another entity's risk, for a fee such as a commission, premium, spread or interest.