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 the main link between the insurance company and the insurance sales agent. They are responsible for calculating the level of risk and therefore the size of the premium payments, before writing the policies.