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 in early years) but with long-term losses (which, under a traditional bonus system, would not be penalized). Such a system was proposed by Raghuram Rajan in January 2008. Author Jim Collins proposed that executives be expected to buy stock with their own money (as was done at IBM in the 1990s) taking on both up-side rewards and down-side risk. In November 2008, UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system. In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and