Malus sylvestris Malus sylvestris Malus sylvestris, the European crab apple, is a species of the genus "Malus", native to Europe. Its scientific name means "forest apple" and the truly wild tree has thorns. Wild apple has an expanded crown and often appear more like a bush than a tree. It can live 80–100 years and grow up to 10 m tall with trunk diameters of 23–45 cm. Due to its weak competitiveness and high light requirement, wild apple exist mostly at the wet edge of forests, in farmland hedges or on very extreme, marginal sites. The tree is rather rare but native
Bonus-malus call center is performing. If the call center is performing poorly, then there would be a malus payment (payment from the call center company to the buyer). If the call center is doing well, then there is a bonus payment from the buyer to the call center company. Bonus-malus payments are in addition to the normal cost of call center services. In insurance, a bonus-malus system (BMS) is a system that adjusts the premium paid by a customer according to their individual claim history. Bonus usually is a discount in the premium which is given on the renewal of the