Answer:
The ghost of Christmas
The ghost of Christmas yet to come has the most impact on Scrooge because it makes him fear what has yet to come and makes him want to change in any way possible.
Explanation:
It has many water ways to help it deliver goods by boat which is easier then other methods
Speaker compares the sunlight on the buildings to the light that shines on the countryside, and he seems surprised to feel more at peace in the bustling city than he has anywhere else.