The words of Scrooge

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Across
  1. 3. a supernatural appearance of a person or thing, especially a ghost; a specter or phantom; wraith:
  2. 4. without means of subsistence; lacking food, clothing, and shelter.
  3. 5. having the nap worn off so as to lay bare the threads of the warp and woof, as a fabric, garment, etc.
  4. 8. of, relating to, or characteristic of a misanthrope.
Down
  1. 1. capable of holding much; spacious or roomy:
  2. 2. (initial capital letter) Mr.; Sir: a Spanish title prefixed to a man's given name.
  3. 6. to cause (a person) to accept or be resigned to something not desired:
  4. 7. to remove or take off, as clothing.