Well, this is the pattern for people who have no time to invent patterns.
1. Ch 108, join to form a ring. (or however many sts goes over your head comfortably)
2. Work whatever motifs take your fancy.
3. Fasten off.
And there you go, a Cowl. I got the graphics from this great book, Celtic Charted Designs by Co Spinhoven. Also a must-have for people with no time left to think.
Before I leave you, however, I have to share my greatest discovery of the decade. If you love beautiful clothes, Go Here. I haven't bought anything yet because I'm afraid if I start I won't be able to stop!