Forbidden fruit Paramhansa Yogananda cites an interpretation by his master Swami Sri Yukteswar Giri that the Garden of Eden refers to man's body, with the fruit in the center being that of the sexual organs. In Western Europe, the fruit was often depicted as an apple. This was possibly because of a misunderstanding of – or a pun on – "mălum", a native Latin noun which means evil (from the adjective "malus"), and "mālum", another Latin noun, borrowed from Greek μῆλον, which means apple. In the Vulgate, Genesis 2:17 describes the tree as "de ligno autem scientiae boni et mali" : "but
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