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.
With bid bonds in place, developers know the underwriter stands behind the work of the bidding contractor and will provide the necessary performance bond if the contract is awarded. Secondly, developers receive financial security in case the contractor with the lowest bid is awarded the contract and backs out.