What is the ending of 'The Necklace' by Guy de Maupassant?

Here is a brief summary of the ending (in point form):

Mdm. Loisel loses the necklace

Her and her husband find one at a jeweller that looks identical

They buy it for 36,000 francs

They spend 10 years repaying all of their generous family members and friends who loaned them the money

Mdm. Loisel sees her rich friend in the streets 10 years later (After she has paid off the dept)

Mdm. Loisel tells her friend the whole story

Her friend says "Oh my pore Mathilde, but mine were false. At most they were worth 500 francs!"