The nature of Fortunato's insult is not explained in detail in Edgar Allan Poe's "The Cask of Amontillado" because the story is a first-person narrative told by Montresor, and he chooses not to disclose the specific insult. This lack of detail adds to the story's ambiguity and creates a sense of mystery and intrigue.
Montresor is a cunning and vengeful person who plans and executes his revenge with meticulous detail and cold calculation. He is manipulative, deceptive, and harbors deep-seated grudges against Fortunato.
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In a word, murder. In several words, Montresor chains Fortunato to a wall in a small room in his cellar then seals off the room by building a brick wall across the entrance leaving Fortunato there for the past half century.
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The climax occurs when Montresor surprises Fortunato in the niche by chaining him to the wall. At that point the suspense of whether Montresor will be successful in gaining his revenge is all but settled, since Fortunato is now helpless to prevent Montressor from killing him in any way Montresor chooses. The fact that Montresor chooses to wall Fortunato in is a detail wold be considered part of the falling action of the story.
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Knowing that Fortunato has a cold adds to the ironic twist at the end of the story, as his coughing and sneezing while being walled up alive could have been mistaken for his cold symptoms by Montresor. This detail highlights the ultimate cruelty and deception of Montresor's revenge.
Montresor heard jingling bells when he tried to see inside the niche, which reveals that Fortunato was still alive and conscious. This detail adds to the suspense and horror of the story, as it foreshadows Fortunato's terrible fate.