Malus sieversii modern apple cultivars. Unlike domesticated varieties its leaves go red in autumn: 62.2% of the trees in the wild do this compared to only 2.8% of the regular apple plant or the 2,170 English cultivated varieties. The species is now considered vulnerable to extinction. "Malus sieversii" has previously been identified as the main contributor to the genome of the cultivated apple ("Malus pumila"), on the basis of morphological, molecular, and historical evidence. A DNA analysis in 2010 confirmed "M. sieversii" as the progenitor of the cultivated apple. A third species that has been thought to have made contributions to the
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