borderline fat, but curvy though. the fat is not in her mid-section.
And I agree, she needs more upper body enhancement to balance it out.
That's a mommy build. I'v always had a 30lb view. Take a woman in her early 20's, get's married, has 3 - 4 kids, and by the time she's 35, she's about 30lbs from where she started, unless 1.) she is very skinny and has a high metabolism, or 2.) is a disciplined dieter workout freak.
If you take 30 lbs off of her, then add the marriage and the kids, and this picture is where she winds up, I'm all for it. If however, this is where she's starting from, then expect to add 30lbs to what she already has and she'd be obese. It would probably be at least 30, and more like 50-60, because judging from the pic, she probably doesn't workout much or worry about what she eats.