This is strictly from memory of Judy Collins' version but it does vary slightly from Wendy's posting.

THE DEALER
Composer: Bob Ruzicka

1/ Jack of diamonds, queen of spades,
Fingers tremble and the memory fades,
And it's a foolish man who tries to bluff the dealer.

2/ Jokers laughed and Lady Luck smiled.
The aces were high and the deuces were wild.
When you're down and losin', everyone's a cheater.

CHORUS [1ST VERSION]: You can't win and you can't break even.
You can't get out of the game.
You shouldn't stay but you ain't leavin'
'Cos your luck may change again.

3/ Life's a lot like that, my friend.
Luck runs out and the winning streak ends
When the deck is stacked you can't trust the dealer.
Just when things were going fine,
Someone jumped you from behind.
When you're down and losin', everyone's a cheater.

CHORUS [2D VERSION]: You got a little more than you bargained for,
A little more than you had in mind.
You took your chance but
Twenty-one beats nineteen every time.