I slightly tweaked this healthy and delicious recipe from a book written in the '90's by Robert Haas, called "Eat to Win". This is our favorite breakfast - no adding of sugar or milk necessary! I add 2-3 ice cubes to the pan after the cereal is cooked but before putting it into bowls; this both cools it down enough to eat and makes the oatmeal VERY creamy.****UPDATE***: Since submitting this recipe, we have discovered how much better it is with steel cut oats! Changes I now make: 2 cups water to 1/4 cup steel-cut oats, extra cinnamon (to taste), add 1 tablespoon ground flax seed. Cook the oats for 20 minutes, then add apples and cook for 5 minutes more. Add bananas, flax seed & seasonings after you remove from heat. Omit the ice cubes, but add extra hot water if needed to make creamy.