Most mornings, my routine is at 6 a.m. is to toddle downstairs, feed Roxie, get a cup of coffee, get the morning newspaper, toddle back upstairs, get back into bed, read the paper and work the crossword.  This time of year, it is light outside when I come back up, so I open the shutters before I get back into bed.

This is what greeted me this morning:

O, what a beautiful morning!  Now, if I could just figure out  29 across, “Result of bankruptcy.”  Eleven letters.  Starts with C.