Malus hupehensis ‘from Hubei province, China’. ‘Hubei’ was formerly spelled ‘’Hupeh’ or ‘Hupei’ in English. Malus hupehensis Malus hupehensis, common names Chinese crab apple, Hupeh crab or tea crabapple, is a species of flowering plant in the apple genus "Malus" of the family Rosaceae. It is native to China. "Malus hupehensis" is a vigorous deciduous tree growing to tall and broad. It has pink buds, opening to fragrant white blossoms in Spring. It produces bright red, cherry-sized crab-apples in the Autumn. The plant is cultivated as an ornamental tree, for planting in gardens. It has gained the Royal Horticultural Society's Award of
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