01 - Combine milk and water in a medium saucepan and bring to a gentle simmer over medium heat.
02 - Stir in rolled oats, diced apple, diced pear, and dried cranberries.
03 - Add ground cinnamon, ginger, cardamom, cloves, nutmeg, and black pepper then mix well.
04 - Reduce heat to low and cook, stirring occasionally, for 10 to 12 minutes until oats are creamy and fruits soften.
05 - Stir in maple syrup or honey to taste.
06 - Divide mixture between bowls and garnish with chopped nuts and pumpkin seeds if desired. Serve warm.