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Ben Gibbard – A Lovely Affair Lyrics 17 years ago
And there were a number of speeches
Where people said what they didn’t want me to know
Telling all types of secrets
I wish I would have had a clue five days ago

This is definately a song about him being a spirit at his own funeral. But I'm really suprised that no one brought this out. He killed himself. He didn't know all this and now he's dead by his own hand.
To me, the moral of the song is to tell those you love that you do. Don't hide your feelings. because you never know how much they need to hear you say it...

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