Hmmmm, Did You Do Something Different?

Ok, so here's a moral dilemma I've struggled with -- let me know what you guys think. Consider this a formal poll of your social practices.

When is it appropriate to comment on a woman's apparent pregnancy?
A. When and ONLY when it's verified, ie. you're in the room watching the baby come out of her.
B. Never.
C. When you've heard from someone else.
D. When she looks like she has a beer belly that you don't *think* was there before.
E. When you're her boyfriend and you haven't been getting any from her.

Ok, the reason I bring this up is that I ran into a casual acquaintance tonight. I asked her how she'd been and she said "Good, good. I, um, had a baby."

So NATURALLY I did the whole 'Ohmygosh!Congratulations!ThatisSOGREAT.Noway!' thing. To which she responded "Well, when I saw you back in June, I was seven months pregnant. And you didn't say anything! I left with my friend feeling sorry for myself because I thought you just thought I was fat." So then I had to explain to her my personal theory, ie. choice "A", listed above. Friends, if you are apparently with child, let me be the first to say you will NOT hear it out of me. Never will the words "Are you expeeeeeeeeecting?" fall from these lips.

I realize the margin of error on guessing wrong is probably very very small after a certain point. When the belly is past the boobs, you're pretty much good to go. My thing is to not comment until they (aformentioned Possibly Pregnant One) insist on making it conversation -- that, or if the labor pains strike on my watch. That's just me. I'm playing it safe. Hey, at least someone is.