Loisel had inherited eighteen thousand francs from his father. He could borrow the remainder. And he did borrow right and left, asking a thousand francs from one, five hundred of another, five louis here, three louis there. He gave notes, assumed heavy obligations, trafficked with money-lenders at usurious rates, and, putting the rest of his life in pawn, pledged his signature over and over again. Not knowing how he was to make it all good, and terrified by the penalty yet to come, by the dark destruction which hung over him, by the certainty of incalculable deprivations of body and tortures of soul, he went to get the new bauble, throwing down upon the jeweler's counter the thirty-six thousand francs. When Mme. Loisel returned the necklace, Mme. Forestier said to her coldly: "Why did you not bring it back sooner? I might have wanted it." She did not open the case--to the great relief of her friend. Supposing she had! Would she have discovered the substitution, and what would she have said? Would she not have accused Mme. Loisel of theft? Mme. Loisel now knew what it was to be in want, but she showed sudden and remarkable courage. That awful debt must be paid, and she would pay it. They sent away their servant, and moved up into a garret under the roof. She began to find out what heavy housework and the fatiguing drudgery of the kitchen meant. She washed the dishes, scraping the greasy pots and pans with her rosy nails. She washed the dirty linen, the shirts and dish-towels, which dried upon the line. She lugged slops and refuse down to the street every morning, bringing back fresh water, stopping on every landing, panting for breath. With her basket on her arm, and dressed like a woman of the people, she haggled with the fruiterer, the grocer, and the butcher, often insulted, but getting every sou's worth that belonged to her. Each month notes had to be met, others renewed, extensions of time procured. Her husband worked in the evenings, straightening out tradesmen's accounts; he sat up late at night, copying manuscripts at five sous a page. And this they did for ten years. At the end of that time they had paid up everything, everything--with all the principal and the accumulated compound interest. Mme. Loisel looked old now. She had become a domestic drudge, sinewy, rough-skinned, coarse. With towsled hair, tucked-up skirts, and red hands, she would talk loudly while mopping the floor with great splashes of water. But sometimes, when alone, she sat near the window, and she thought of that gay evening long ago, of the ball where she had been so beautiful, so much admired. Supposing she had not lost the necklace--what then? Who knows? Who knows? Life is so strange and shifting. How exceedingly easy it is to be ruined or saved!