Malus sieversii genome of the domestic apples is "Malus baccata", but there is no evidence for this in older apple cultivars. Almaty, the largest city in Kazakhstan, and formerly its capital, derives its name from the Kazakh word for "apple" (Alma), and is often translated as "full of apples" (the region surrounding Almaty is home to forests of "Malus sieversii"); "alma" is also "apple" in other Turkic languages, as well as in Hungarian. The Soviet-era name, Alma-Ata, is Kazakh for "Father of Apples". These and other "Malus" species have been used in some recent breeding programmes to develop apples suitable for growing
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