In Charles Dickens' "A Christmas Carol," what do the ghosts of Christmases present and future represent?

In '
" ," the ghost of Christmas present represents the lives that Ebeneezer Scrooge
touches on a day-to-day basis, yet whom he holds in condenscending scorn.  By making Scrooge
tour the village in which he lives, and observe the holiday celebrations of those to whom he is
related and whom he employs at a miserly wage, the ghost impresses upon Scrooge the joys he
misses because of his attitude and the consequences for the Cratchit family of his miserliness.
 While Bob Cratchit has been a loyal and hardworking employee, Scrooge has yet to acknowledge,
let alone display empathy toward, Cratchit and his family, especially the sickly Tiny Tim.  By
letting Scrooge observe the Cratchits, and gaze upon Tiny Tim's crutch, the ghost of Christmas
present is presenting Scrooge with the responsibilities...