Karyotyping the mother is NOT the correct tool for estimating the risk of Down syndrome in her fetus.
The mother is phenotypically normal, so she cannot have full trisomy 21 herself.
The only scenario where the mother's karyotype matters is if she carries a balanced Robertsonian translocation involving chromosome 21 — but this is rare, and the question gives no suggestion of such.
The given answer confuses:
- maternal meiotic nondisjunction risk (age-related, statistical)
- vs.
- heritable translocation Down syndrome (very rare)