Removing Unwanted Hair

Q: Please could you advise the extent of removal of pubic hair. From the navel or from the pubic hairline? Scrotal hair? Area between the scrotum and back passge? Around the back passage? Also, what is the absolute maximum time that a person can go without removing such hair and is it a sin to go beyong this period?

Zakaat on Collaterals

Q: Zaid took a loan from Bakr. Bakr demanded a certain amount of cash and jewelry as collateral for the loan. Zaid paid back the loan after three years. Does Zaid have to pay zakaat on the collateral and jewelry for the previous years?