Malus sylvestris Malus sylvestris Malus sylvestris, the European crab apple, is a species of the genus "Malus", native to Europe. Its scientific name means "forest apple" and the truly wild tree has thorns. Wild apple has an expanded crown and often appear more like a bush than a tree. It can live 80–100 years and grow up to 10 m tall with trunk diameters of 23–45 cm. Due to its weak competitiveness and high light requirement, wild apple exist mostly at the wet edge of forests, in farmland hedges or on very extreme, marginal sites. The tree is rather rare but native
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