Wow, my bad it feels good to be understood :)
You're spot on. Your girl displays a stroke which, hand entry/catch wise is opposite to Phelps.
I bet she doesn't achieve this sort of stretch under water:
This is the stretch I was referring too earlier. This is what makes Phelps like fly swimming next to impossible, without being under high level coaching supervision. Looks nice on a picture, but feels awful for your shoulders.
On the other end of the spectrum, your female model by entering hands first probably let the hands go down on catch *before* upper body. The stroke is thus easier to manage, from an overall training perspective.
One last thing. You probably notice that your female model is splashing more than Phelps on entry, she's probably 6 in shorter and 60pounds lighter (at least). That says a lot.