Malus or seventh tree, or limbs of a crab tree are grafted onto some of the apple trees. In emergencies, a bucket or drum bouquet of crabapple flowering branches are placed near the beehives as orchard pollenizers. See also Fruit tree pollination. Because of the plentiful blossoms and small fruit, crabapples are popular for use in bonsai culture. Crabapple fruit is not an important crop in most areas, being extremely sour due to malic acid (which like the genus derives from the Latin name "mālum"), and in some species woody, and for this reason is rarely eaten raw. In some southeast
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