Malus niedzwetzkyana Tajikistan borders, it is known as 'kisil alma': 'red apple'. "Malus niedzwetzkyana" has been used to breed some modern red-leaved, red-flowered, and red-fruited apples and crabapples. It is believed to be the ancestor of Surprise, a pink-fleshed apple that was brought to the United States by German immigrants around 1840 and was later used by the horticulturist Albert Etter to breed some 30 pink- and red-fleshed varieties, the best-known of which is Pink Pearl. Another horticulturist, Niels Ebbesen Hansen, encountered "M. niedzwetzkyana" in the Ili valley, where he also met Niedzwetzky, in what was then the Russian region of Turkestan
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