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.
Female spider monkeys breed every three to four years and when she is ready to, the female spider monkey chooses a male spider monkey from her group in which to mate with. After a gestation period of around 7 months, the female spider monkey will give birth to one baby spider monkey.