Malus florentina Malus florentina Malus florentina is a species of apple known by the common names Florentine crabapple and hawthorn-leaf crabapple. It is native to the Balkan Peninsula and Italy, and it is grown elsewhere as an ornamental tree. The botanical name "florentina" and common name "florentine" are remarking the source of the municipality of Florence, Italy that has a major history of botanical collection in their famous renaissance gardens, and the other common name "hawthorn-leaf" is remarking its distinct toothed leaf shape which closely resembles that of a hawthorn and is unusual for a crabapple. Tree is deciduous, upright and vase
Bonus-malus in early years) but with long-term losses (which, under a traditional bonus system, would not be penalized). Such a system was proposed by Raghuram Rajan in January 2008. Author Jim Collins proposed that executives be expected to buy stock with their own money (as was done at IBM in the 1990s) taking on both up-side rewards and down-side risk. In November 2008, UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system. In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and