Malus baccata 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. "Malus baccata" is native to Russia, Mongolia, China, Korea, Bhutan, India and Nepal, where it is common to mixed forests on hilly slopes at elevations up to 1500 meters (5000 feet).
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