This is a great creamy treat that is sure to get even the deepest sleepers out of bed.  Steel cut oats have a different texture than rolled oats because they use the whole oat kernel.  They may take a little longer to make, but they are well worth the time. 

Banana Bread Oatmeal

Bring water and milk to a boil, add oats and reduce to low heat, simmer for approximately 25-30 minutes, stir occasionally.  Add the rest of the ingredients, stir, and serve!  Mmmm....