Malus sylvestris to most European countries. It occurs in a scattered distribution pattern as single individuals or in small groups. In the past "M. sylvestris" was thought to be the most important ancestor of the cultivated apple ("M. pumila"), which has since been shown to have been originally derived from the central Asian species "M. sieversii". However another recent DNA analysis confirms that "M. sylvestris" has contributed significantly to the genome. The study found that secondary introgression from other species of the genus "Malus" has greatly shaped the genome of "M. pumila", with "M. sylvestris" being the largest secondary contributor. It also
Bonus-malus company. This strategy is called bonus hunger of the insurance customer. In this strategy, the insurance customer prefers the most profitable financial alternative, after a loss occurrence. A well-designed bonus-malus system must take bonus hunger into consideration. In executive compensation, particularly at banks, bonus-malus refers to schemes where annual bonuses are held in escrow (do not immediately vest), and can be reduced retroactively (clawed back) in case of losses in future years. The intention is to align incentives better and encouraging a long-term view in directors, by discouraging the taking of risks which may yield short-term profits (and hence bonuses