I'll tell you a little story   A man roaming the streets   The one with raggedy clothes   The one you ignore to see      I'll tell you a little story   A man i used to know   Smelling oh so bad   People laugh at him      DOWN AND OUT   Call him what you'd like   Penniless and broke   Destitute for life   DOWN AND OUT   Without a roof tonight   Wandering around   His life is in a rut      I once knew a man   Who's life was doing fine   Got himself a degree   and a fine looking wife      I once knew a man   Put a mortgage on a house   Bought a nice car   And friends were all around      Cloudy days will come   Getting laid of is all part of life   Losing, first your house   Your wife is next line      Cloudy days will come   No friends are to be found   The life you once had   Is taken just like that!      DOWN AND OUT   He was once one of us   Life can take a turn   Life can be unkind   WHO'S CONCERN   How about you and me   Think for a minute   It can happen to anyone!