Thanks to everybody for the help. The background - I remember the song as a ballad, heard in 68 or 69 while I was in the army. A romantic breakup at the time kept the line in my head. Could have been from one of the "guy groups" performing then, The Four Aces, The Lettermen, etc. Of course I could be misremembering the lyrics, its been a long time. Could have been, for example, ...Now at last I realize..., instead of finally. Some personal background as well - I'm an old non apologetic folkie from the 60s, and old enough to remember Jessie Colin Young as a folksinger and Dave Van Ronk playing and singing for free at Washington Square Park in New York City! So thanks again to all, and I am very glad to have found this site. I will continue to check in.