Malus sieversii modern apple cultivars. Unlike domesticated varieties its leaves go red in autumn: 62.2% of the trees in the wild do this compared to only 2.8% of the regular apple plant or the 2,170 English cultivated varieties. The species is now considered vulnerable to extinction. "Malus sieversii" has previously been identified as the main contributor to the genome of the cultivated apple ("Malus pumila"), on the basis of morphological, molecular, and historical evidence. A DNA analysis in 2010 confirmed "M. sieversii" as the progenitor of the cultivated apple. A third species that has been thought to have made contributions to the
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most