Many insect and spider species hatch in the spring and survive the cold of winter in either
an egg or pupal stage, but a woolly bear caterpillar hatches in the fall and hibernates as is.

In the spring it spins a cocoon and becomes an Isabella tiger moth:
http://en.wikipedia.org/wiki/Pyrrharctia_isabella

I would have preferred an ambient light shot, but in the shade just before sunset,
the camera metered at 1/4th second. On my elbows in the grass I couldn't hold the
camera steady enough, so I opted for flash, and had to use the flip-down diffuser
to direct enough light down onto the subject. The grass and its shadow on the left
is distracting, but my removing another piece of grass caused the subject to shrink
and I feared disturbing anything else would cause it to curl up in fright.