A middle-aged woman with red-hair, a white shirt, and a silver beaded necklace is holding a yellow cellphone against her ear while talking.
She was calling her husband on her cellphone.
Not all woman holding cellphone or talking with someone on cellphone is calling their husband. They can talk with friends or other family member as well.
Not all middle-aged woman have a husband.
Holding a cellphone against the ear while talking doesn't necessarily imply that one is having a phone call. A woman talking on her cellphone doesn't necessarily mean she is talking to her husband.