I'm returning an umbrella
that she loaned me from her flat down to the crosstown bus
And I'm swinging her umbrella
thinking it won't rain again before the two of us
Have this whole day down by the blue canal
in the warmth of the summer sun
As a gentle breeze rustles through the trees (Now won't that be nice)

So I'm walking this umbrella
while she's talking to some friend about the two of us
And she couldn't wait to tell her
that she hopes I feel the same although I looked nonplused
when we met last night in a pouring rain
and she asked me to come up
Then said "hold your oats", handing me her Totes

Now I hear my feet hitting the street
I must be running 'cause my heart's a quicker beat
And I hear a rumble and a crash
The sky's gone darker to the rhythm of my splash

Now I'm under her umbrella
standing dripping at her doorway like a drowning rat
And I cannot help but wonder
if I'll never make my way beyond this welcome mat
Just then the door opens wide, she says "Thanks,
I see you brought it back
But you better keep it 'cause you're gonna need it"

Now I hear my feet hitting the street
I must be running 'cause my heart's a quicker beat
Back under the rumble and the crash
And her umbrella, and her umbrella
her umbrella, and her umbrella
yeah her umbrella, her umbrella