The "major" driver of MLC is depression, as well as childhood issues. There was a book that I read about depression many years ago that stated that depression is about the past and anxiety is about the future.
You are very wise not to advise her that she's depressed. She will blow it off and say she isn't. She knows that something is wrong but will not appreciate anyone telling her what it is. As for her cold, her immune system has been compromised by the stressors. You will begin to notice that she's ill more, i.e., colds stomach bugs, aches and pains. They all have some of these going on. Some even develop blood pressure and other series issues during the crisis. Unfortunately, they are the ones that have to figure this all out by their lonesome.
Keep the focus on you, your life and the family.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.