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 term 'underwriter in the context of insurance can mean a couple of different things. If referring to an Insurance Underwriter as an employee of an Insurance Company, they are essentially the gatekeepers for accepting, rejecting or modifying accounts submitted for a potential policy.[1]