Malus trilobata country, that is protected, is in Horsh Ehden Nature Reserve and Jabal Moussa Biosphere Reserve. "Malus trilobata" has an upright habit with horizontal branching and a mature size of height by width. The leaves are maple-like and deeply three-lobed. They turn from orange to red to deep purple in the fall. The tree blooms during April and May producing white flowers and yellow fruits. 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
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