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 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