Malus sieversii in harsh climates unsuitable for "M. pumila", mainly for increased cold tolerance. "Malus sieversii" has recently been cultivated by the United States Agricultural Research Service, in hopes of finding genetic information of value in the breeding of the modern apple plant. Some, but not all, of the resulting trees show unusual disease resistance. The variation in their response to disease on an individual basis is, itself, a sign of how much more genetically diverse they are than their domesticated descendants. Malus sieversii Malus sieversii is a wild apple native to the mountains of Central Asia in southern Kazakhstan. It has
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most