You believe that I've changed your life forever
& you're never gonna find another somebody like me
& you wish you had more than just a lifetime
To give back all I've given you, & that's what you believe, but...
I. O. U. the sunlight in the morning
& the nights of honest loving that time can't take away
& I. O. U. more than life, now more than ever
I know that it's the sweetest debt I'll ever have to pay
I'm amazed when you say it's me you live for
You know that when I'm holdin' you, you're right where you belong
& my love, I can't help but smile with wonder
When you tell me all I've done for you, 'cause I've known all along that...