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.
All spiders are carnivorous, Most spiders eat insects but a few of the larger species are big enough to prey on small vertebrate animals like mice or small birds. Most spiders' jaws work from side to side. They have toothed edges used in breaking up the prey during feeding. Digestion starts before any of the prey (the food) is swallowed. Some spiders inject digestive enzymes into the prey before they start breaking it up; others secrete digestive fluids as they are breaking the food up with their jaws.