Malus sieversii in harsh climates unsuitable for "M. pumila", mainly for increased cold tolerance. "Malus sieversii" has recently been cultivated by the United States Agricultural Research Service, in hopes of finding genetic information of value in the breeding of the modern apple plant. Some, but not all, of the resulting trees show unusual disease resistance. The variation in their response to disease on an individual basis is, itself, a sign of how much more genetically diverse they are than their domesticated descendants. Malus sieversii Malus sieversii is a wild apple native to the mountains of Central Asia in southern Kazakhstan. It has
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