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 insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems penalize at-fault accidents by premium surcharges and reward claim-free years by discounts, commonly known as a "no-claims discount". The most usual BMS divides drivers by classes, where each class has its own discount or surcharge that is applied to the basic premium. A claim-free year implies in a decline of one or more degrees on the Bonus/Malus class table on the anniversary of the contract. A claim entails an increase of a given number of degrees on the Bonus/Malus scale on the