Malus floribunda has resistance to the apple scab and founded the program to introduce this "VF gene" into cultivated apples. Their work had been progressing with great success. This crabapple species is considered as one of the best crabapples for form and flower and has gained the Royal Horticultural Society's Award of Garden Merit. Malus floribunda Malus floribunda, common name Japanese flowering crabapple, Japanese crab, purple chokeberry, or showy crabapple, originates from Japan and East Asia. It may be a wild species, or a hybrid of "M. sieboldii" x "M. baccata". "Malus floribunda" forms a round-headed, small deciduous tree with narrow leaves
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