"I.O.U." is Allan's own official debut as a leader. The album features [[Gary Husband]], [[Paul Carmichael]] and [[Paul Williams]]. The album was released independently by Allan.
Allan finally steps out as a leader on his official solo debut, and emerges with a fully formed style. From the first five seconds of “The Things You See”, with its ear-bending legato runs and shimmering chords, and to the last note of “White Line”, this is a classic. Paul Williams, Gary Husband and Paul Carmichael and Allan were a BAND.