Malus tschonoskii moist, well-drained soil. It can grow to tall by broad in 20 years, with an ultimate height of . It is cultivated as an ornamental tree, for planting in gardens. Malus tschonoskii Malus tschonoskii (common names Chonosuki crab and pillar apple) is a species of flowering plant in the family Rosaceae, native to Japan. The specific epithet "tschonoskii" refers to the 19th century Japanese botanist Sugawa Tschonoski. "Malus tschonoskii" is a strong-growing deciduous tree, it has a distinctive columnar habit and is particularly noted for its autumn colouring, when the glossy mid-green leaves turn to brilliant shades of yellow, orange,
Bonus-malus company. This strategy is called bonus hunger of the insurance customer. In this strategy, the insurance customer prefers the most profitable financial alternative, after a loss occurrence. A well-designed bonus-malus system must take bonus hunger into consideration. In executive compensation, particularly at banks, bonus-malus refers to schemes where annual bonuses are held in escrow (do not immediately vest), and can be reduced retroactively (clawed back) in case of losses in future years. The intention is to align incentives better and encouraging a long-term view in directors, by discouraging the taking of risks which may yield short-term profits (and hence bonuses