---

[MICHAEL & SARA]
Morning sun, our girl is one
Happy birthday, Frankie!
Clap your hands
That cow says "Moo!"

Wake up sweetie, sleepyhead
Birthday two, no more crib
We're in trouble now

Now she's three, she's four, she's five
She put her cookie in the CD drive
She's a genius, she's a terror, she's a beauty...
She's ours

Francesca Jane "Frankie" McRae

[MICHAEL]
She'll be in college any day

[SARA]
Next year, P.S. 83

[MICHAEL]
No, private. Dalton, Trinity
School is everything
[SARA]
The tuition's 40 grand

[MICHAEL]
You don't understand
You will never understand

Tuition, loans and savings, 401K
Her 529-
[MICHAEL/ SARA]
And our IRA/ Slow
You don't understand education/ Down
I have a moral obligation/ Listen
Loans and savings, 401K/ Please hear
Her 529 and our IRA/ Me
Loans and savings, 401K/ Please hear
Her 529 and our IRA/ Me

[SARA]
Please hear me!

[NARRATOR]
Club or diamond, spade or heart
In life's game, we all take part
Time shuffles and you play your card
Losing's easy. Winning's hard

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