After some research...

Brian's first wife was the one who said this title phrase to him while they were still dating. When they first met, he was 21 and she was 15. She remembers that she was drinking hot chocolate when they first met, and that her parents approved of him.

I knew nothing of these details before my love for the song, which only makes me love it even more. I suspect these lovebirds were meeting in the middle on a shared level, one which western society refuses to even consider as possibly honest and true, lacking any sinister hidden intentions of any kind.

Rest well, good sir. I knew I liked you for a reason.