Hard time is a novel by Charles Dickens and satirizes society. Stephen Blackpool is an important character and his story climaxes when he refuses to spy for Bounderby. Thus, option D is correct.
Stephen Blackpool is a poor man that works hard with honesty and faith and even refuses to join the strike by the worker's union. As a result, he was an outcast and was not treated accordingly.
When he refused to spy for Bounderby that made him in hanging with enmity with both the master and the workers. This was a climax for the story of Stephen.
The climax is a part of the structure of a story that is also a decisive point where the rising action changes to falling action. Here, the refusal to spy turned out to be the turning point of Stephen's story.
Therefore, the climax of Blackpool is given by when he refuses to spy.
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