Malus sieversii Malus sieversii Malus sieversii is a wild apple native to the mountains of Central Asia in southern Kazakhstan. It has recently been shown to be the primary ancestor of most cultivars of the domesticated apple ("Malus pumila"). It was first described (as Pyrus sieversii) in 1833 by Carl Friedrich von Ledebour, a German naturalist who saw them growing in the Altai Mountains. It is a deciduous tree growing to , very similar in appearance to the domestic apple. Its fruit is the largest of any species of "Malus" except "pumila", up to 7 cm diameter, equal in size to many
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