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, what if it's true?
Ah, what my heart says
Oh, what'll I do?
What if this feeling becomes hard to part with?

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 was getting it free

Oh, if I'd only known
Ah, what your heart cost
Yeah, can we call it a loan?
And a debt that I owe on a bet that I lost

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

Oh, what if it's true?
You better ask the man inside
Oh, there seem to be two
One steals the love, and the other one hides

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

Oh, if I'd only known
What your heart cost
Yeah, can we call it a loan?
And a debt that I owe on a bet that I lost