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 predators feeding mainly on living insects, mites, and other small arthropods. Spiders are considered beneficial because of the large number of insects they prey on, including a number of pest species.