Malus tschonoskii Malus tschonoskii Malus tschonoskii (common names Chonosuki crab and pillar apple) is a species of flowering plant in the family Rosaceae, native to Japan. The specific epithet "tschonoskii" refers to the 19th century Japanese botanist Sugawa Tschonoski. "Malus tschonoskii" is a strong-growing deciduous tree, it has a distinctive columnar habit and is particularly noted for its autumn colouring, when the glossy mid-green leaves turn to brilliant shades of yellow, orange, purple and scarlet. Single white flowers, tinged pink, appear in May and are followed by rounded red-flushed yellow-green crabapples. "Malus tschonoskii" grows well in many soil types, doing best in
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