She said, "I have to go home,
'cause I'm retired, you see."

The story:

I must have been thirteen or fourteen when I finally figured this one out, after I looked at the lyrics in a 'vocal selections' book. My version had kind of made sense, although I had always wondered exactly what Michael had seen in this supposedly hot woman who, due to her employment status, had to be at least fifty. Still, it takes all sorts!