This is a very easy & delicious bread to make! I forgot to add the oil and it was still delicious. I recommend putting the cream cheese down the center of the batter, leaving a border of pumpkin batter around it. I spread my cream cheese over the whole batter layer and after it was done, it split in 2 halves. I just stuck it back together & it stayed together ok...the cream cheese is sticky so was able to hold it together. The pumpkin flavor is not very strong, so I'll add more pumpkin pie spice the next time I make it... will definitely make again! Delicious!!!