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A young middle-class woman dreams of a lifestyle far beyond her reach.
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Loisel is a hit, everyone loves her. Upon leaving she reaches for the necklace, and finds it missing. After days of searching, she and her husband decide to replace it with a one that looks identical.
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After ten years of hard work and struggles, the couple pays off all their debts.
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One day Mathilde is walking to the market and sees the friend that she borrowed the necklace from. She decides to tell her what happened.
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The ten years of misery were unnecessary and could have been avoided if only Mathilde had been honest with Madame Forestier because the necklace was fake.