Malus trilobata Malus trilobata Malus trilobata, the Lebanese wild apple, erect crab apple or three-lobed apple tree, is a species in the family Rosaceae in the genus "Malus". Some authorities place it in the segregate genus "Eriolobus", as "Eriolobus trilobatus". The distribution of "Malus trilobata" in Asia includes West and South Anatolia, Syria, Lebanon and North Israel, while in Europe its distribution encompasses the east section of Greek Thrace (Evros Prefecture) and southeastern Bulgaria. Surviving trees in Lebanon can be found in the Mount Lebanon Range, at altitudes of . The last remaining forest community of the endemic wild apple in the
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