Malus sieversii in harsh climates unsuitable for "M. pumila", mainly for increased cold tolerance. "Malus sieversii" has recently been cultivated by the United States Agricultural Research Service, in hopes of finding genetic information of value in the breeding of the modern apple plant. Some, but not all, of the resulting trees show unusual disease resistance. The variation in their response to disease on an individual basis is, itself, a sign of how much more genetically diverse they are than their domesticated descendants. Malus sieversii Malus sieversii is a wild apple native to the mountains of Central Asia in southern Kazakhstan. It has
Bonus-malus insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems penalize at-fault accidents by premium surcharges and reward claim-free years by discounts, commonly known as a "no-claims discount". The most usual BMS divides drivers by classes, where each class has its own discount or surcharge that is applied to the basic premium. A claim-free year implies in a decline of one or more degrees on the Bonus/Malus class table on the anniversary of the contract. A claim entails an increase of a given number of degrees on the Bonus/Malus scale on the