I used to have a cold-hearted approach to life , but things changed oncel realized what I had been doing and where I was headed. * A = Ebenezer Scrooge O B=Jacob Marley C Bob Cratchit O D = Tiny Tim O O F = E The Ghost of Christmas Past The Ghost of Christmas Present The Ghost of Christmas Yet to come O H = Fred l = Belle O J = Mr . Fezziwig The Portly Gentleman L. Cratchit K = O OMthe charwoman N = Fannie