Malus niedzwetzkyana (but now Kazakhstan) during his 1897 expedition. Hansen began two breeding programs based on this unusual fruit, one aimed at developing a cold-hardy cooking and eating apple, and the other aimed at developing ornamental crabapples. His efforts resulted in the Almata apple and the Hopa crabapple, among other varieties. Some of these apples, as well as "M. niedzwetzkyana" itself, are being used for small-scale commercial production of rosé apple ciders. Malus niedzwetzkyana Malus niedzwetzkyana, or Niedzwetzky's apple, is a kind of apple native to certain parts of China, Afghanistan, Kazakhstan, Kyrgyzstan, and Uzbekistan noted for its red-fleshed, red-skinned fruit and
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