Dear {Name},
I was a complete ass. When I {did/said} what I did, I simply wasn't thinking. That is no excuse. It never would have been appropriate, even if the circumstances weren't what they are.
It wasn't until the {words were out of my mouth/action was taken} that I remembered your personal situation and realized how cruel my {words/actions} were in that context.
Please know that I never meant to hurt you by being insensitive, and yet I acknowledge that's exactly what I did. I hope that you will be able to take me at my word. I promise you that I will think before I {speak/act} in the future.
Sincerely,
{Name}
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