Charles Dickens', " A Christmas Carol."
This story consists of three ghosts
1. ghost of Christmas past
2. ghost of Christmas present
3. ghost of Christmas future
I believe it is the banking system, that was horrible. people continued to loan money from the bank and even the bank itself was giving away other peoples money, which is now illegal. but back then it was not. the answer may also be the stock market itself! hope this kind of helped!
The labor supply increased
I say they both are very competitive but my opinion neither has what it takes they fight to much one disses people when hes ticked and the other thats a different story but i say they both have some good quality ones a hardworker the other would do what they can to get what they want. Hope this helps because my opinion i care for neither.