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.
Spiders lay their eggs inside silk sacs that contain hundreds or even thousands of eggs. Common garden spiders secure the egg sacs in their web, while the larger wolf spider carries its eggs and babies on its back. Spiders have a short life span and many common species die after laying eggs, leaving the sac vulnerable until the eggs hatch and disperse.