A 78-year-old woman reports that she's been feeling unsettled and disconnected. She moved to an independent-living senior apartment about five years ago after her husband died. She retired 10 years ago and has been active in her community since then, tutoring children and volunteering at the local library. She reports slowing down a bit during the past year because of worsening physical pain associated with her arthritis. The research suggests that which of the following factors MOST increases this woman's risk for depression?
A. Her medical disorder and its effects
B. Being an older adult
C. Being a widow
D. Being retired