Malus sylvestris to most European countries. It occurs in a scattered distribution pattern as single individuals or in small groups. In the past "M. sylvestris" was thought to be the most important ancestor of the cultivated apple ("M. pumila"), which has since been shown to have been originally derived from the central Asian species "M. sieversii". However another recent DNA analysis confirms that "M. sylvestris" has contributed significantly to the genome. The study found that secondary introgression from other species of the genus "Malus" has greatly shaped the genome of "M. pumila", with "M. sylvestris" being the largest secondary contributor. It also
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most