Which Ghost Affected Scrooge the Most?

I think the furture ghost has changed Scrooge's attitude towards Christmas the most. After seeing his lonely, miserable death, he must have realize how important it is to help other people who really needs help and being generous and kind. I can see that Scrooge change the most after meeting the furture spirit, because he was very shocked and showing a lot of repentance. He really wants someone to feel sad and showing sympathy to his death. He doesn't want to get forgetten by the people. That is why he changes his attitude right after watching his furture. If I were Scrooge, and I see my furture like that, I will definitely change my temper and opinion on Christmas. I will become very kind and generous to others just like what Scrooge does.