[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

[Chorus]
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?

[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 was getting it free

[Chorus]
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

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

[Bridge]
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

[Chorus]
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