Malus or seventh tree, or limbs of a crab tree are grafted onto some of the apple trees. In emergencies, a bucket or drum bouquet of crabapple flowering branches are placed near the beehives as orchard pollenizers. See also Fruit tree pollination. Because of the plentiful blossoms and small fruit, crabapples are popular for use in bonsai culture. Crabapple fruit is not an important crop in most areas, being extremely sour due to malic acid (which like the genus derives from the Latin name "mālum"), and in some species woody, and for this reason is rarely eaten raw. In some southeast
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