Taking money from your pension. Whether you have a defined benefit or defined contribution pension scheme, you can normally start taking money from the age of 55. You could use this to help top up your salary if you are still working, to enable you to work fewer hours or to retire early.
Spiders reproduce sexually and fertilization is internal but indirect, in other words the sperm is not inserted into the female's body by the male's genitals but by an intermediate stage.
Almost all spiders are predators, and most eat insects. They catch their prey in several ways. Some build a spider web, and some use a thread of silk that they throw at the insect. Some kinds of spiders hide in holes in the ground, then run out and grab an insect that walks by. Others will make web 'nets' to throw at passing insects. Or they go out and simply attack their prey. Some can jump quite well and hunt by sneaking close to an insect and then jumping on it. There is a myth that Spiders have feet, they do not.