Baked Oatmeal Custard

Baked Oatmeal Custard / 1/2 c quick cooking steel cut oats 1/2 c water 1/2 c milk, plus another 1 3/4 c 1/3 c raisins, dry cherries or other dried fruit, opt 1 tsp cinnamon 3/4 tsp freshly grated nutmeg.