Phlorizin Phlorizin Phlorizin (also referred to as phloridzin; chemical name phloretin-2'-β--glucopyranoside) is a glucoside of phloretin, a dihydrochalcone, a family of bicyclic flavonoids, which in turn is a subgroup in the diverse phenylpropanoid synthesis pathway in plants. Phlorizin is found primarily in unripe "Malus" (apple), root bark of apple, trace amounts have been found in strawberry. In "Malus", it is most abundant in vegetative tissues (such as leaves and bark) and seeds. Closely related species, such as pear ("Pyrus communis"), cherry, and other fruit trees in the "Rosaceae" do not contain phloridzin. Phloridzin is a phytochemical that belongs to the class
Bonus-malus company. This strategy is called bonus hunger of the insurance customer. In this strategy, the insurance customer prefers the most profitable financial alternative, after a loss occurrence. A well-designed bonus-malus system must take bonus hunger into consideration. In executive compensation, particularly at banks, bonus-malus refers to schemes where annual bonuses are held in escrow (do not immediately vest), and can be reduced retroactively (clawed back) in case of losses in future years. The intention is to align incentives better and encouraging a long-term view in directors, by discouraging the taking of risks which may yield short-term profits (and hence bonuses