A nice 4 o'clock snack, or bread item with coffee at breakfast with sunny side up eggs is banana bread with a chocolate spread. Make your favorite banana bread recipe, and for the chocolate spread, melt semi sweet chocolate chips with heavy cream in a pot on low heat. Stir constantly and don't let it get too hot. If it boils, lower the heat. When melted, let cool and spread! Put the extra in a dish and refrigerate. In the morning, take out the chocolate spread to take the chill off. Spread on your banana bread and enjoy!