Malus tschonoskii Malus tschonoskii Malus tschonoskii (common names Chonosuki crab and pillar apple) is a species of flowering plant in the family Rosaceae, native to Japan. The specific epithet "tschonoskii" refers to the 19th century Japanese botanist Sugawa Tschonoski. "Malus tschonoskii" is a strong-growing deciduous tree, it has a distinctive columnar habit and is particularly noted for its autumn colouring, when the glossy mid-green leaves turn to brilliant shades of yellow, orange, purple and scarlet. Single white flowers, tinged pink, appear in May and are followed by rounded red-flushed yellow-green crabapples. "Malus tschonoskii" grows well in many soil types, doing best in
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