Select the sentence that creates an element of surprise in the excerpt.
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O "Yes, I've had some hard times since I saw you last; and many sorrows ... and all on your account." (Paragraph 2)
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O "You remember the diamond necklace you lent me for the ball at the Ministry?'" (Paragraph 4)
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O "Oh, my poor Mathilde! But mine was imitation. It was worth at the very most five hundred francs!..." (Paragraph 14)
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O "You say you bought a diamond necklace to replace mine?'' (Paragraph 10)
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Answer: The sentence that creates an element of surprise is the last one: "You say you bought a diamond necklace to replace mine?'' (Paragraph 10).

Explanation: In paragraph 10, the element that has been used to convey surprise is a rhetorical question, which is a question that someone asks without actually expecting to receive an answer. Moreover, the expression "you say" also contributes to create an element of surprise. In that way, the correct answer is "You say you bought a diamond necklace to replace mine?'' (Paragraph 10).