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 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