there once was a widow and her son who lived in the 13th century
One day, in great wonder, the young man saw the most beautiful girl sitting on the calm surface of the lake, combing her long flowing hair. She was looking down at the water as if it were a mirror when, suddenly, feeling the young man’s gaze, she looked up.
would you like some bread and cheese
He tried to touch her, but she backed away, saying,"Hard baked is thy bread; It is not easy to catch me."
Immediately she dived under the water and disappeared, leaving the youth to return home still thinking about the beautiful young lady who had enchanted him.
His mother advised him to return with some unbaked dough. She thought there must be some spell connected with the hard baked bread which stopped the lady accepting him.