The nurse is preparing to teach a class on breast self-examination. In describing the "at-risk" individual, the nurse should describe which woman as having the highest risk of developing breast cancer?

A 40-year-old African-American woman who started her menstrual period at age 14.

A 35-year-old woman who had both her children before age 20.

A 50-year-old Caucasian woman who has never had a mammogram.

A 32-year-old woman whose mother had breast cancer.