Answer:
I believe its " it refers to the person being addressed"
Explanation:
because they both are thinking about each other and worrying about each other (I hope that helps)
The clause <em>Jacob had to buy a new cell phone </em>is an independent clause, meaning that it is complete and can stand on its own.
The remaining part, however, is a subordinate clause, or an adverb clause, to be more precise.