Malus by the larvae of a large number of Lepidoptera species; see list of Lepidoptera that feed on "Malus". The fruit is a globose pome, varying in size from diameter in most of the wild species, to in "M. sylvestris sieversii", in "M. domestica", and even larger in certain cultivated orchard apples. The centre of the fruit contains five carpels arranged star-like, each containing one or two seeds. For the "Malus pumila" cultivars, the culinary, and eating apples, see Apple. Crabapples are popular as compact ornamental trees, providing blossom in Spring and colourful fruit in Autumn. The fruits often persist throughout
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