Development: Mme Loisel finally gets to go to the event and she feels special because she has a beautiful dress and a diamond necklace.
Climax: When she returns she realizes she lost the necklace she borrowed from her friend. Since she cannot find it she and her husband decide to replace it for 36,000 francs.
Resolution: By replacing the necklace Mme Loisel and her husband had to live the next 10 years in debt and she has to do all the housework. Until one day she runs into her friend and tells her that she ruined her life only to find out that the necklace was nothing but paste!
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