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.
They can, however, also reproduce by sexual reproduction. Protists reproduce sexually through the processes of conjugation and alternation of generations. Conjugation is a temporary union of protists in which they exchange genetic material. Alternation of generations is a life cycle in which a protist releases spores with half of its chromosomes into the environment, and they form a first generation organism.