Answer:
In the short story "The Necklace," the surprise ending is that the expensive necklace Mathilde borrowed and lost was actually a fake, and the ten years of debt and hard work she and her husband endured to replace it was all for nothing.
Step-by-step explanation:
"The Necklace" by Guy de Maupassant has a surprise ending where it is revealed that the necklace Madame Loisel borrowed and lost was actually a fake, made of paste or imitation diamonds, and not a real diamond necklace. After years of poverty and hard work to pay off the debts incurred to replace the necklace, Madame Loisel runs into her friend who had loaned her the necklace and confesses that she lost the necklace and replaced it with a new one. Her friend reveals that the original necklace was not real and that it was only worth a few hundred francs. The surprise ending is that Madame Loisel and her husband had suffered for years over a fake necklace and that the dreams of wealth and social status that led her to borrow the necklace had been based on a misconception.