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

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

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Physics
On a cold day when a room temperature is 15oC, the metallic cap of a pen becomes much colder than its plastic body, though both are at the same temperature of 15oC, because

plastics have a higher thermal conductivity than metals
metals have higher thermal capacity than plastics
plastics have a lower density than metals
metals are good conductor of heat

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