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 obtain their oxygen through four respiratory organs located on the underside of their abdomens. These organs are arranged into two pairs, an anterior pair at the very front end of the abdomen, and a posterior pair behind the anterior pair.