(David Lindley & Jackson Browne)
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
...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
...What your heart cost
Oh... 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
...Better ask the man inside
Oh, oh... there seem to be two
One steals the love, and the other one hides.
Yeah... can we call it a loan
Till I'm paid in full for the seeds I've sown
Yeah... can we say that I've grown
In someway that we may have yet to be shown
Oh... if I'd only known
...What your heart cost
Oh... can we call it a loan
And a debt that I owe
On a bet that I lost
Send "Call It A Loan" Ringtone to your Cell 
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
...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
...What your heart cost
Oh... 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
...Better ask the man inside
Oh, oh... there seem to be two
One steals the love, and the other one hides.
Yeah... can we call it a loan
Till I'm paid in full for the seeds I've sown
Yeah... can we say that I've grown
In someway that we may have yet to be shown
Oh... if I'd only known
...What your heart cost
Oh... can we call it a loan
And a debt that I owe
On a bet that I lost
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