Malus baccata domesticated apples as well. In particular, it is a common genetic source for "M. pumila" and "M. asiatica" in northern and north-eastern China. "M. baccata" var. "mandshurica" is used for bonsai. Malus baccata Malus baccata is an Asian species of apple known by the common names Siberian crab apple, Siberian crab, Manchurian crab apple and Chinese crab apple. It is native to much of northern Asia, but is also grown elsewhere as an ornamental tree and for rootstock. It is used for bonsai. It bears plentiful fragrant white flowers and edible red to yellow fruit of about 1 cm diameter.
Bonus-malus anniversary of the contract. Generally, one degree corresponds to a 5% discount or surcharge. The starting class may depend on the driver's age, sex, place of residence, the car's horsepower. Each country has a different legislation, which rules how many degrees an insurer may increase or decrease, the maximum bonus or malus allowed and which statistics insurers can use to evaluate the starting class of a driver. A BMS usually has an effect on road safety statistics, as it stimulates drivers to be careful and avoid accidents that would lead to the loss of bonus. Most insurers have a policy