In a large bowl, whisk together the flour, baking powder, and salt.
Rub the butter into the dry ingredients until the mixture resembles coarse crumbs.
Gradually add the water or milk, mixing until a soft dough forms.
On a lightly floured surface, shape the dough into a round loaf.
Preheat your oven to 400°F (200°C). Place the loaf on a baking sheet lined with parchment paper or in a cast-iron Dutch oven.
Cut a cross shape into the top of the dough to ensure even baking.
Bake for 30-35 minutes, or until golden brown and the base sounds hollow when tapped.
Let it cool slightly before slicing and serving with butter, honey, or jam.
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