Malus niedzwetzkyana Tajikistan borders, it is known as 'kisil alma': 'red apple'. "Malus niedzwetzkyana" has been used to breed some modern red-leaved, red-flowered, and red-fruited apples and crabapples. It is believed to be the ancestor of Surprise, a pink-fleshed apple that was brought to the United States by German immigrants around 1840 and was later used by the horticulturist Albert Etter to breed some 30 pink- and red-fleshed varieties, the best-known of which is Pink Pearl. Another horticulturist, Niels Ebbesen Hansen, encountered "M. niedzwetzkyana" in the Ili valley, where he also met Niedzwetzky, in what was then the Russian region of Turkestan
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