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 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