Malus niedzwetzkyana Malus niedzwetzkyana Malus niedzwetzkyana, or Niedzwetzky's apple, is a kind of apple native to certain parts of China, Afghanistan, Kazakhstan, Kyrgyzstan, and Uzbekistan noted for its red-fleshed, red-skinned fruit and red flowers. Some botanists consider it a distinct species, while others have argued it is simply an unusual variety of the common apple, "Malus pumila". Niedzwetzky's apple is rare, often growing as an isolated tree, and is endangered throughout its range by agricultural encroachment and logging operations. Only 111 specimens of the tree are known to survive in Kyrgyzstan. The conservation group Fauna & Flora International is working to save
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