When I read this post of yours, I looked back, and I couldn't imagine how I'd done that!
But I gradually remembered how.
I had actually thought of Earn - Urn, which had become Urn - Earn, in my mind,
and then, my wandering mind, had thought we were on U, so it (my mind, NOT me! )
came up with Udder - Utter.
I thought I'd share the laugh with you, that I had myself, over that.