By contrast, in a typical private firm freeze, such routine annual raises are put on hold.

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Communities secretary Eric Pickles says councils and commissioners are morally obliged to deliver a freeze and he says grants are on offer to any who hold the charge at 2012 levels.

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After a fainting spell, a patient would hold a pager-size communicator over his chest and press a button to freeze the recording, so a doctor could upload the data for analysis.

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Dodd also complains that it does nothing to help borrowers beyond the five-year freeze (when rates could be higher than they are today), and that it doesn't hold lenders and loan servicers accountable.

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Unlike those earlier tools, Nokia City Lens lets you freeze the view, so that you can put the camera down to choose your options without having to awkwardly hold your device in the air to continue seeing the overlaid information.

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