Physics
Fish and other aquatic creatures can live inside a deep frozen pond because

They can adapt themselves to live in ice
Ice is a bad conductor of heat
There will always be water just beneath the ice level
Fish are cold-blooded animals

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Physics
Energy in reflected light :

Decreases with the increase in angle of incidence
Does not depends on the angle of incidence
Becomes maximum for angle of incidence equal to 45°
Increases with the increase in angle

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