[Verse 1]
In the morning when I closed my eyes
You were sleeping in paradise
And while the room was growing light
I was holding still with all my might
Oh, now what if it's true
Mm, what my heart says?
Oh, now what'll I do?
What if this feeling becomes hard to part with?

[Verse 2]
You were meant to play your part
In the design of a desperate heart
And while you gave your love to me
I was betting I'd be getting it free
But oh, if I'd only known
Mm, what your heart cost?
Oh, can we call it a loan?
And a debt that I owe on a bet that I lost

[Verse 3]
In the evening when you see my eyes
Looking back at you, no disguise
I'm not sure who you think you'll see
I'm just hoping you'll still know that it's me
But oh, what if it's true?
Ah, better ask the man inside
Oh, oh, there seem to be two
One steals the love, and the other one hides

[Chorus]
Yeah, can we call it a loan?
'Til I'm paid in full for the seeds I have sown
Yeah, can we say that I've grown?
In some way that we may have yet to be shown

[Post-Chorus]
Oh, if I'd only known
Mm, what your heart cost
Oh, can we call it a loan?
And a debt that I owe on a bet that I lost?

[Outro]
Thank you.