|White head, white collar, fringed wings. 1/4 inch long.|
I don't remember seeing one like this before; even from a distance, that white collar was startlingly bright. The two little dots at the front are the tips of two curved, up-turned "horns".
I can't identify it, and after looking at 2000 photos on BugGuide, I checked the last page of their images. There are 4108 pages, at 25 photos each page! That's 102,700 photos of moths. I gave up.
I've submitted it to them, but I don't have much hope of an ID. With so many moths, who can come close to knowing them all? But then again, they have surprised me before.
UPDATE: 6 hours later; They've done it again! It's the White-shouldered House Moth, Endrosis sarcitrellla. Amazing people!
And thanks, Troy!