Malus trilobata Malus trilobata Malus trilobata, the Lebanese wild apple, erect crab apple or three-lobed apple tree, is a species in the family Rosaceae in the genus "Malus". Some authorities place it in the segregate genus "Eriolobus", as "Eriolobus trilobatus". The distribution of "Malus trilobata" in Asia includes West and South Anatolia, Syria, Lebanon and North Israel, while in Europe its distribution encompasses the east section of Greek Thrace (Evros Prefecture) and southeastern Bulgaria. Surviving trees in Lebanon can be found in the Mount Lebanon Range, at altitudes of . The last remaining forest community of the endemic wild apple in the
Bonus-malus in early years) but with long-term losses (which, under a traditional bonus system, would not be penalized). Such a system was proposed by Raghuram Rajan in January 2008. Author Jim Collins proposed that executives be expected to buy stock with their own money (as was done at IBM in the 1990s) taking on both up-side rewards and down-side risk. In November 2008, UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system. In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and