Intro 
 
      G               Em
You believe that I've changed your life forever 
           Am7                         D7/4          G  D
And you're never going to find another somebody like me  
        G            Em                           Am7
And you wish you had more than just a lifetime to give back all I've given you 
    D7/4
And that's what you believe 
          G  D   C        Am7    D       D4
But I. O. U. the sunlight in the morning  
    G                Em          Am7              D
And nights of honest loving that time can't take away  
    D4    G  D7        C        Am7       D
And I. O. U. more than life now more than ever 
  G                  Em                 Am7  D7/4    G
I know that it's the sweetest debt I'll ever have to pay 
 G7M C D7/4
 
    G               Em 
I'm amazed when you say it's me you live for 
    Am7                                    D7/4              G    D
You know that when I'm holding you, you're right where you belong  
       G             Em
And my love, I can't help but smile and wonder 
         Am7                                 D7/4
When you tell me all I've done for you cause I've known all along 
          G  D   C        Am7    D       D4
But I. O. U. the sunlight in the morning  
    G                Em          Am7              D
And nights of honest loving that time can't take away  
    D4    G  D7        C        Am7       D
And I. O. U. more than life now more than ever 
  G                  Em                 Am7  D7/4    G
I know that it's the sweetest debt I'll ever have to pay  
          G  D   C        Am7    D       D4
Oh, I. O. U. the sunlight in the morning  
    G                Em          Am7              D
And nights of honest loving that time can't take away  
    D4    G  D7        C        Am7       D
And I. O. U. more than life now more than ever 
  G                  Em                 Am7  D7/4    G
I know that it's the sweetest debt I'll ever have to pay