Malus florentina toxic if consumed in large quantities. Suitable for all kind of soils, with all levels of PH values, but prefers moist or wet soil that is well drained. Prefers full sun but can also manage when semi-shaded. Malus florentina Malus florentina is a species of apple known by the common names Florentine crabapple and hawthorn-leaf crabapple. It is native to the Balkan Peninsula and Italy, and it is grown elsewhere as an ornamental tree. The botanical name "florentina" and common name "florentine" are remarking the source of the municipality of Florence, Italy that has a major history of botanical collection
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most