Malus sieversii genome of the domestic apples is "Malus baccata", but there is no evidence for this in older apple cultivars. Almaty, the largest city in Kazakhstan, and formerly its capital, derives its name from the Kazakh word for "apple" (Alma), and is often translated as "full of apples" (the region surrounding Almaty is home to forests of "Malus sieversii"); "alma" is also "apple" in other Turkic languages, as well as in Hungarian. The Soviet-era name, Alma-Ata, is Kazakh for "Father of Apples". These and other "Malus" species have been used in some recent breeding programmes to develop apples suitable for growing
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