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 are, for the most part, such generalist feeders that they kill many useful insects as well as many pest species, however because pest species are by their nature more numerous than beneficial species they are still effective. They are of great value to the environment.