Malus sieversii Malus sieversii Malus sieversii is a wild apple native to the mountains of Central Asia in southern Kazakhstan. It has recently been shown to be the primary ancestor of most cultivars of the domesticated apple ("Malus pumila"). It was first described (as Pyrus sieversii) in 1833 by Carl Friedrich von Ledebour, a German naturalist who saw them growing in the Altai Mountains. It is a deciduous tree growing to , very similar in appearance to the domestic apple. Its fruit is the largest of any species of "Malus" except "pumila", up to 7 cm diameter, equal in size to many
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