F          C     Dm                Bb
If I had a penny for every time I thought about you
F            C          F
I would be a millionaire
F                  C
I would send you flowers each day
Dm                           Bb
And I would show you in every way
F                 C        F
Just how much I really care

[Verse 2]
F                      C
The summer sun and the winter snow
Dm                        Bb
The autumn leaves let the spring rains know
F               C         F
Just how much I need your love
F                     C
And if I knew that my time was near
             Dm
And you were there
        Bb
I would have no fear
     F               C            F
Your name would be my dying prayer

[Chorus]
F
It's not too late
   Bb                   C
To turn this ship around
   F        C     Dm
To sail into the wind my love
  Bb                C
Before we run aground
               F
It's not too late
     Bb               C
To say that I love you
          F        C           Dm
And it's not too late for you, my love
          Bb
To say you love me too
C             F
(It's not too late)

[Verse 3]
F          C
If I was a rich man's son
Dm                    Bb
I would work till the day was done
F                C           F
Just to prove my love was true
F                      C
I would take you for my wife
Dm                   Bb
And I would love you all my life
F               C              F
I would never leave or be untrue

[Chorus]
F
It's not too late
   Bb                   C
To turn this ship around
   F        C     Dm
To sail into the wind my love
  Bb                C
Before we run aground
               F
It's not too late
     Bb               C
To say that I love you
          F        C           Dm
And it's not too late for you, my love
          Bb
To say you love me too
C             F
(It's not too late)

[Verse 4]
F                       C
You know our future and your feelings
Dm                  Bb
And the love that I have for you
F                    C                   F
They're always in my heart and on my mind
F              C
A never ending love affair
Dm                Bb
We'll go together everywhere
F                  C                  F
Our love will last till the end of time

[Verse 5]
F                       C
You know our future and your feelings
Dm                  Bb
And the love that I have for you
F                    C                   F
They're always in my heart and on my mind
F              C
A never ending love affair
Dm                Bb
We'll go together everywhere
F                  C                  F
Our love will last till the end of time

[Chorus]
F
It's not too late
   Bb                   C
To turn this ship around
   F        C     Dm
To sail into the wind my love
  Bb                C
Before we run aground
               F
It's not too late
     Bb               C
To say that I love you
          F        C           Dm
And it's not too late for you, my love
          Bb       C
To say you love me too

[Chorus]
F
It's not too late
   Bb                   C
To turn this ship around
   F        C     Dm
To sail into the wind my love
  Bb                C
Before we run aground
               F
It's not too late
     Bb               C
To say that I love you
          F        C           Dm
And it's not too late for you, my love
          Bb       C
To say you love me too

[Outro]
F
It's not too late (it's not too late)
G#
It's not too late (it's not too late)
Bb                                    F
It's not too late to turn this ship around