<span>I don't have an evening dress and cannot go to that affair is a fact because it is clear that the speaker doesn't have a dress. The others are general statements of opinion.
Someone who is not regal wealthy or noble who is shocked at being spoken to in an informal manner.</span>
"Only I don’t have an evening dress and therefore I can’t go to that affair."
Explanation:
This is the only sentence that represents a fact. A fact is a claim that can be proven right or wrong. In this case, it would be possible to check whether Mme. Loisel actually has a dress or not. On the other hand, the rest of the statements are opinions. This is because we cannot prove that it is "embarrassing" not to have jewels or "humiliating" to look poor. These statements depend on personal perception, not on evidence.
