I'd say that Friday has it dead on. (Read the section in So You're Going to Wear the Kilt for a good discussion and some hints.

On good bonnets, the robbons will usually be sewn together a bout 2-3 inches from the grosgrain head band, and that has to be picked out first. Then, tie a pretty tight overhand knot and then carefully tie a bow in the dangling ends. You'll probably have to cut off the excess at angles (like in Friday's picture). I would also recommend that you take a little stitch throught he center of the knot to keep everything neat and orderly for the long haul.

That's what I have done with all my bonnets, but I'll have to post a photo later.

All that stuff about married or single is a little questionable, but the truth of the matter is that a glengarry always has the ribbons loose while the balmoral usually doesn't. And . . . in my own not-so-humble (sometimes) opinion, it just looks better that way.