The theme of the story about the bank clerk is her desire towards the red coat that's he saw in the store.
In literature, the theme has to do with the main idea that the author conveys to the readers.
In this case, the story about the bank clerk is her desire towards the red coat that's he saw in the store. When she saw the coat, she stopped and admired it because she had always wanted it. The coat was simply a catalyst for her transformation.
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