Good Morning Sprinkles. xx

Sundays riddle answer was - A Toilet/Loo
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Yesterdays again in case you missed it.

You see a boat filled with people. It has not sunk, but when you look again you don’t see a single person on the boat. Why?
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Todays is:-

I cover you and give you warmth,
Though I am sometimes a bother.
I began to help you from the beginning,
But it took me a little while to form.
What am I?

All answers on my back wall please. xx

Keebler has watered the Pink Cap Mushroom - thank you!