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• n  apple trees; found throughout temperate zones of the northern hemisphere

• The Swiss banking giant made its no-bonus announcement today, but then went a whole lot further, laying out a new "bonus-malus" system for 2009 and beyond, which is meant to "bring .

• Malus
• genus Malus

Quotes

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• Jean-Louis Borloo in Reuters India
  We are going to amplify the bonus-malus (system). Penalties on extremely polluting vehicles will be paid, not only upon purchase, but each year,Borloo said.
• Josef Ackermann in Wall Street Journal
  Of course, we will also introduce the new malus system,Ackermann told a banking conference.