Malus floribunda has resistance to the apple scab and founded the program to introduce this "VF gene" into cultivated apples. Their work had been progressing with great success. This crabapple species is considered as one of the best crabapples for form and flower and has gained the Royal Horticultural Society's Award of Garden Merit. Malus floribunda Malus floribunda, common name Japanese flowering crabapple, Japanese crab, purple chokeberry, or showy crabapple, originates from Japan and East Asia. It may be a wild species, or a hybrid of "M. sieboldii" x "M. baccata". "Malus floribunda" forms a round-headed, small deciduous tree with narrow leaves
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most