It was so refreshing to hear that somebody else has a hard time saying "I'm sorry."  I am hopelessly stubborn and it really takes me a long time to say it.  What's worse is I know it shouldn't, and that piles on self-resentment that I slowly have to chip away at before I can finally come out and admit I was wrong.  

I also really like your idea of forgiveness as a process instead of just words.  What a great post.