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.
The Insurance Institute of America offers an introductory training course for beginning underwriters. In addition, you can study to become certified as an Associate in Commercial Underwriting (AU) or a Chartered Property Casualty Underwriter (CPCU). The programs provide self-study materials for the exam.