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.
Well, now you can finally find out. A surety underwriter is a person who reviews a surety bond application and determines if the company can provide the bond in question. They evaluate risk both for the company and the client seeking a bond. A surety underwriter has a responsibility to both the client and the company to minimize risks.