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 call center is performing. If the call center is performing poorly, then there would be a malus payment (payment from the call center company to the buyer). If the call center is doing well, then there is a bonus payment from the buyer to the call center company. Bonus-malus payments are in addition to the normal cost of call center services. In insurance, a bonus-malus system (BMS) is a system that adjusts the premium paid by a customer according to their individual claim history. Bonus usually is a discount in the premium which is given on the renewal of the