Karen presents a lesson on creative arranging and variations at DulcimerSessions.com, the Mel Bay-sponsored dulcimer webzine, Lois Hornbostel editor. The lesson is found at this address: http://dulcimersessions.com/oct05/variations.html
It covers Karen's dynamic arrangement of the fiddle tune "Kitchen Gal," with tab for the original tune plus two of Karen's variations. The whole lesson is downloadable as a pdf as well, so check it out!