Malus niedzwetzkyana (but now Kazakhstan) during his 1897 expedition. Hansen began two breeding programs based on this unusual fruit, one aimed at developing a cold-hardy cooking and eating apple, and the other aimed at developing ornamental crabapples. His efforts resulted in the Almata apple and the Hopa crabapple, among other varieties. Some of these apples, as well as "M. niedzwetzkyana" itself, are being used for small-scale commercial production of rosé apple ciders. Malus niedzwetzkyana Malus niedzwetzkyana, or Niedzwetzky's apple, is a kind of apple native to certain parts of China, Afghanistan, Kazakhstan, Kyrgyzstan, and Uzbekistan noted for its red-fleshed, red-skinned fruit and
Bonus-malus in early years) but with long-term losses (which, under a traditional bonus system, would not be penalized). Such a system was proposed by Raghuram Rajan in January 2008. Author Jim Collins proposed that executives be expected to buy stock with their own money (as was done at IBM in the 1990s) taking on both up-side rewards and down-side risk. In November 2008, UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system. In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and