Dickens describes Scrooge as "a squeezing, wrenching, grasping, scraping, clutching, covetous, old sinner! Hard and sharp as flint... secret, and self-contained, and solitary as an oyster." He does business from a Cornhill warehouse and is known among the merchants of the Royal Exchange as a man of good credit. Despite having considerable personal wealth, he underpays his clerk Bob Cratchit and hounds his debtors relentlessly, while living cheaply and joylessly in the chambers of his deceased business partner, Jacob Marley. Most of all he detests Christmas, which he associates with reckless spending. When two men approach him on Christmas Eve for a donation to charity, he sneers that the poor should avail themselves of the treadmill or the workhouses, or else die to reduce the surplus population. He also refuses his nephew Fred's invitation to Christmas dinner, and denounces him as a fool for celebrating Christmas.