“The only time it would be proper to use Mrs. Palin (I have even seen Ms. Palin) would be in the context of her marriage to Todd Palin; as in ‘Mr. and Mrs. Palin invited us into their home where Governor Palin discussed policy issues while Todd talked about snowmachine racing.’”
I don’t think so. In that case, the proper address would be, “Governor and Mr. Palin invited us into their home where Governor Palin discussed policy issues while Todd talked about snowmachine racing.”