I think you have it, in fact. That Yellow Bear Spilosoma virginica -- we do have that pretty white moth here, I saw several back in the summer.
This picture (from googling that name) is closer than any of the others I've seen:
*I removed the picture for copyright reasons since I couldn't find a way to credit it.*
And the moth would be the Virginia Tiger Moth. They really are pretty creatures.
Thanks much, Janet, once again!
