Malus baccata domesticated apples as well. In particular, it is a common genetic source for "M. pumila" and "M. asiatica" in northern and north-eastern China. "M. baccata" var. "mandshurica" is used for bonsai. Malus baccata Malus baccata is an Asian species of apple known by the common names Siberian crab apple, Siberian crab, Manchurian crab apple and Chinese crab apple. It is native to much of northern Asia, but is also grown elsewhere as an ornamental tree and for rootstock. It is used for bonsai. It bears plentiful fragrant white flowers and edible red to yellow fruit of about 1 cm diameter.
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