Malus sylvestris to most European countries. It occurs in a scattered distribution pattern as single individuals or in small groups. In the past "M. sylvestris" was thought to be the most important ancestor of the cultivated apple ("M. pumila"), which has since been shown to have been originally derived from the central Asian species "M. sieversii". However another recent DNA analysis confirms that "M. sylvestris" has contributed significantly to the genome. The study found that secondary introgression from other species of the genus "Malus" has greatly shaped the genome of "M. pumila", with "M. sylvestris" being the largest secondary contributor. It also
Bonus-malus anniversary of the contract. Generally, one degree corresponds to a 5% discount or surcharge. The starting class may depend on the driver's age, sex, place of residence, the car's horsepower. Each country has a different legislation, which rules how many degrees an insurer may increase or decrease, the maximum bonus or malus allowed and which statistics insurers can use to evaluate the starting class of a driver. A BMS usually has an effect on road safety statistics, as it stimulates drivers to be careful and avoid accidents that would lead to the loss of bonus. Most insurers have a policy