The Ghost of Christmas Yet to Come: Scrooge's death, the thieves, Tiny Tim's death and the grave.
Key quotations: 'The Phantom slowly, gravely, silently, approached', 'shrouded in a deep black garment', 'I fear you more than any spectre I have seen', 'Old Scratch has got his own at last', 'It's likely to be a very cheap funeral', 'this is a fearful place', 'Are these the shadows of the things that Will be, or are they shadows of things that May be, only?', 'I am not the man I was', 'I will honour Christmas in my heart, and try to keep it all the year'.
Tiny Tim's empty place at the Cratchits' table, and the debtors relieved by Scrooge's death.