The explanation
Chloe decided to tell her husband the truth. It was hard enough for him to be far from home and not be able to see her face during this conversation, it was hard for her to get around the truth and tell him a story. She decided not to beat around the bush.
She knew she would startle her husband with the truth, because she promised him never to do this. Yet she loved John dearly and knew that she had no choice but to tell them why the ring was not on her finger in the photo.
The truth came out…