Me too, I thought Chloe was calling me a n00b and I was like, huh?
Yeah so Brian from TVCY just told me that Stephan said he wrote the lyrics and Nessa wrote the piano.
And at this point no one can say if it's true or not. I'm thinking that Nessa gave him her thoughts and he organized them into lyrics. Especially if you think about how Stephan was there when she met Victoria (my boyfriend took pictures...) and how Who's to Say is most likely about the two of them, then he would be fairly knowledgable about the subjects and would know what to say. And White Houses he obviously had nothing to do with subject-wise but that entire song is littered with lyrics that are obviously written by him.
So does anyone know what I'm saying? He acted as a translator between her thoughts and the lyrics...?
Don't look at it like it makes Nessa look bad, either, because she didn't write all the lyrics. These are her experiences and if she was willing to let Stephan write about them WITH HER INPUT, then it's not a bad thing because it's her choice.