What is the falling action of "The Necklace"?

After losing Madame Forestier's necklace, Madame Loisel and her husband borrow money to buy an incredibly expensive replacement necklace (diamond).  They then spend the next ten years living in poverty and losing their upper class refinement in order to repay the loan needed to purchase the new necklace.  Madame Loisel ages and becomes rough (vocally, physically).  Finally, she happens to meet Madame Forestier, who is still seems young and beautiful, while walking.  After learning the reason for Loisel's changed appearance, the shaken Forestier reveals that the original necklace had been a fake worth, at most, less than one-seventh the cost of the replacement.  Incidentally, Madame Loisel and her husband could have bought an appropriate replacement without having borrowed money and spent ten years in misery.