Malus niedzwetzkyana Tajikistan borders, it is known as 'kisil alma': 'red apple'. "Malus niedzwetzkyana" has been used to breed some modern red-leaved, red-flowered, and red-fruited apples and crabapples. It is believed to be the ancestor of Surprise, a pink-fleshed apple that was brought to the United States by German immigrants around 1840 and was later used by the horticulturist Albert Etter to breed some 30 pink- and red-fleshed varieties, the best-known of which is Pink Pearl. Another horticulturist, Niels Ebbesen Hansen, encountered "M. niedzwetzkyana" in the Ili valley, where he also met Niedzwetzky, in what was then the Russian region of Turkestan
Bonus-malus insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems penalize at-fault accidents by premium surcharges and reward claim-free years by discounts, commonly known as a "no-claims discount". The most usual BMS divides drivers by classes, where each class has its own discount or surcharge that is applied to the basic premium. A claim-free year implies in a decline of one or more degrees on the Bonus/Malus class table on the anniversary of the contract. A claim entails an increase of a given number of degrees on the Bonus/Malus scale on the