G               Em
You be-lieve that I've changed your life forever, and you're
Am7                         D7sus         G   D7
Never going to find another somebody like me.   And you
G              Em
Wish   you had more than just a lifetime to
Am7                               D7sus
Give back all I've given you, and that's what you believe

[Chorus]
          G   D
But I. O. U.    the
C        Am7    D 
Sunlight in the morning, and the
G         D/F#   Em
Nights of honest loving that 
Am7               D
Time can't take a-way 
          G   D7
And I. O. U.  more than
C        Am7       D
Life now more than ever, I
G         D/F#     Em                 Am7  D7sus   G
Know that it's the sweetest debt I'll ever have to pay

Gmaj7   C   D7sus 

[Verse 1]
      G              Em
I'm a-mazed when you say it's me you live for, and you
Am7                                    D7sus              G   D7
Know that when I'm holding you, you're right where you be-long, and my
G             Em
Love, I can't help but smile and wonder, when you
Am7                                 D7sus
Tell me all I've done for you cause I've known all along

[Chorus]
           G   D
That I. O. U.    the
C        Am7    D 
Sunlight in the morning, and the
G         D/F#   Em
Nights of honest loving that 
Am7               D
Time can't take a-way 
          G   D7
And I. O. U.  more than
C        Am7       D
Life now more than ever, I
G         D/F#     Em                 Am7  D7sus   G
Know that it's the sweetest debt I'll ever have to pay