ethnicity has nothing to do with it.
When she divorces her husband!
#1 You are her husband.
Mrs -we used when the woman is married; Ms -we use when we do not know whether the woman is married or not, and we do not want to hurt her.
Mrs. is a title of respect that may be used to address a married woman. Ms. is preferable, especially if you do not know what the woman's preferred title is, or if you do not know the marital status of the woman.
i do't know sorry
In most cases, if you know that a woman is married you would call her Mrs., and if you do not know whether she is married, or if you know that she is not married, you would call her Ms. Also, it is polite to address people as they wish to be addressed, so even a married woman could be addressed as Ms. if that is how she wishes to be known.
A married woman (or someone you don't know) is addressed as 'madam'. An unmarried woman is 'mademoiselle'.
Only if you know the husband will not try and kill you
The Egyptian goddess Isis was permanently pregnant. I guess I didn't know her personally, but I do know of her.
Because she know he will never tell, and she can always do what she want to because he is married. Also she get more out of it and him!
Unless the woman specifies otherwise, always address correspondence to Ms.
If you do not know if the woman is single; married or widowed then you can use 'Ms.' If you know they are single then use 'Miss' or 'Ms.' and 'Mrs.' for married women or widowed women.