1.   Blend into flour, stirring just until all flour is moistened.

2.   Blend dry ingredients and stir in just until flour is moistened.

3.   Gradually sprinkle with cold water, mixing very lightly with fork until flour is moistened.

4.   Gradually add flour mixture, stirring until flour is moistened and binds into a shaggy mass.

5.   Mix, then plop this mess into the dry ingredients and stir just until all the flour is moistened.

6.   Pour apple mixture into well in flour mixture and stir only until the flour is moistened.

7.   With fork, stir bananas, pecans, lemon peel and eggs into flour mixture, until flour is just moistened.