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.
The first stage in the life cycle of a spider is the laying and hatching stage where the spider lays its eggs that hatch after a few weeks. After hatching, the spiders walk around or climb up a tall object and allow themselves to fall away to a new area using the silk that they spin for webs.