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Underwriting is the process where banks, insurance companies, and investment firms charge a fee for accepting a client’s financial risk. Mortgage lenders evaluate the risk and confirm the borrower’s ability to meet the home loan’s minimum requirements. Insurance companies evaluate the perspective client’s risk and exposure to determine the amount of coverage the client needs and the premium they should pay. Underwriters for financial institutions assess their potential client’s ability to repay their loan by evaluating their credit history and collateral before underwriting a loan. These institutions can decline to accept the prospective client’s risk based on their inability to meet loan requirements.


Urology is the medical field that deals with the diagnosis and treatment of the urinary tract of both sexes. Some Urologists specialize in general urinary conditions, while Urinary specialists concentrate on conditions of the male reproductive system and urinary tract.