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I found this on pinterest awhile back, glad you posted it before I could. Make sure to let cream cheese and butter soften first. I make graham cracker-dip sandwiches with this for snacking as it can be too hard a dip straight from the fridge and will break your crackers. Use any chip variety, I like to use a combo of butterscotch, peanut butter, white/dark chocolate and of course the toffee!