These are wonderful little muffins that are so quick and easy to make! The only point to remember is that you will need to use 'very ripe bananas' that have gone 'brown'. You may replace the milk chocolate with white chocolate, chopped nuts or even dried fruits if you wish. PLEASE NOTE: The important thing is not to over mix the batter - you do not want it smooth. Over-mixing the batter will yield tough, rubbery muffins.