The talk test is a simple way to measure relative intensity. In general, if you're doing moderate-intensity activity you can talk, but not sing, during the activity. If you're doing vigorous-intensity activity, you will not be able to say more than a few words without pausing for a breath.
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The action you should take is to do what you can to help her by squeezing her belly to get the stuff out of her throat or call a neighbor even though I don't think there is time for that.
Western North Carolina Aid