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Mathilde Loisel's desire to appear wealthy leads to borrowing a necklace that changes her life forever when she loses it after a grand ball. After ten years of grueling poverty to repay the debt for a replacement, she discovers the original necklace was merely costume jewelry worth a fraction of what they paid.

• Mathilde, born to a family of clerks, feels entitled to a life of luxury because of her beauty
• Her husband secures an invitation to a prestigious government ball
• She borrows what appears to be a diamond necklace from her wealthy friend
• After losing the necklace, the couple goes deeply into debt to replace it
• They spend ten years in harsh poverty paying off the 36,000 franc debt
• Upon meeting her friend years later, Mathilde learns the necklace was fake, worth only 500 francs
• The story explores themes of pride, appearances, social class, and cruel irony

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