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.
Spirogyra forms nonmotile gametes. Spirogyra undergoes sexual reproduction using a process called conjugation. First two haploid filaments of opposite mating types (+ and -) line up side by side. Each cell then forms an extension that grows towards a cell on the opposite strand. The tubes fuse forming conjugation tubes. The content from the cell of (-) strain travels through the tube and fuse with the cytoplasm of the cell of the (+) strain. The protoplast (the entire living portion of the cell) of each individual organism thus act as an isogamete until they fuse. The diploid zygote develops the zygospore.