What did Madame Loisel tell her friend about the necklace?

Madame Loisel tells Madame Forestier that she lost her necklace and replaced it.

"You remember that diamond necklace that you lent me to wear to the Ministry party?"

"Yes. Well?"

"Well, I lost it."

"What do you mean? You brought it back."

"I brought you back another exactly like it. And it has taken us ten years to pay for it. It wasn't easy for us, we had very little. But at last it is over, and I am very glad."