Malus niedzwetzkyana Tajikistan borders, it is known as 'kisil alma': 'red apple'. "Malus niedzwetzkyana" has been used to breed some modern red-leaved, red-flowered, and red-fruited apples and crabapples. It is believed to be the ancestor of Surprise, a pink-fleshed apple that was brought to the United States by German immigrants around 1840 and was later used by the horticulturist Albert Etter to breed some 30 pink- and red-fleshed varieties, the best-known of which is Pink Pearl. Another horticulturist, Niels Ebbesen Hansen, encountered "M. niedzwetzkyana" in the Ili valley, where he also met Niedzwetzky, in what was then the Russian region of Turkestan
Bonus-malus in early years) but with long-term losses (which, under a traditional bonus system, would not be penalized). Such a system was proposed by Raghuram Rajan in January 2008. Author Jim Collins proposed that executives be expected to buy stock with their own money (as was done at IBM in the 1990s) taking on both up-side rewards and down-side risk. In November 2008, UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system. In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and