Malus sieversii genome of the domestic apples is "Malus baccata", but there is no evidence for this in older apple cultivars. Almaty, the largest city in Kazakhstan, and formerly its capital, derives its name from the Kazakh word for "apple" (Alma), and is often translated as "full of apples" (the region surrounding Almaty is home to forests of "Malus sieversii"); "alma" is also "apple" in other Turkic languages, as well as in Hungarian. The Soviet-era name, Alma-Ata, is Kazakh for "Father of Apples". These and other "Malus" species have been used in some recent breeding programmes to develop apples suitable for growing
Bonus-malus in early years) but with long-term losses (which, under a traditional bonus system, would not be penalized). Such a system was proposed by Raghuram Rajan in January 2008. Author Jim Collins proposed that executives be expected to buy stock with their own money (as was done at IBM in the 1990s) taking on both up-side rewards and down-side risk. In November 2008, UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system. In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and