In "The Monkey and the Turtle" by José Rizal, the climax occurs when the monkey, after initially tricking the turtle into planting the banana tree, becomes greedy and tries to claim all the bananas for himself. The turtle, having patiently nurtured the tree, ultimately outsmarts the monkey by using her cunning and resourcefulness. This turning point highlights themes of intelligence over brute strength and the consequences of greed, leading to the monkey's downfall.
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