Answer:
The figurative term being used in the sentence is "Scrooge".
This term is allusion
Explanation:
Scrooge is a very grumpy character from the novel "A Christmas Carol" so when the sentence referred to "Scrooge" the person was calling the other character grumpy or bad-tempered.
Answer: environmental discomfort, and climate change possibly are two good challenges he will face in his next chapter of life
Explanation:
External conflict is outside influences such as two people in a fight or argument or man vs animal.