Forbidden fruit Paramhansa Yogananda cites an interpretation by his master Swami Sri Yukteswar Giri that the Garden of Eden refers to man's body, with the fruit in the center being that of the sexual organs. In Western Europe, the fruit was often depicted as an apple. This was possibly because of a misunderstanding of – or a pun on – "mălum", a native Latin noun which means evil (from the adjective "malus"), and "mālum", another Latin noun, borrowed from Greek μῆλον, which means apple. In the Vulgate, Genesis 2:17 describes the tree as "de ligno autem scientiae boni et mali" : "but
Bonus-malus insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems penalize at-fault accidents by premium surcharges and reward claim-free years by discounts, commonly known as a "no-claims discount". The most usual BMS divides drivers by classes, where each class has its own discount or surcharge that is applied to the basic premium. A claim-free year implies in a decline of one or more degrees on the Bonus/Malus class table on the anniversary of the contract. A claim entails an increase of a given number of degrees on the Bonus/Malus scale on the