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Chocolate Fudge Swirl Banana Muffins

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Ingredients:
3 ripe bananas, mashed
1/2 cup sugar
1/4 cup melted butter
1/4 cup milk
1 egg
1 teaspoon vanilla extract
1 1/2 cups all-purpose flour
1 teaspoon baking soda
1/2 teaspoon salt
1/4 cup cocoa powder
1/4 cup hot water
1/2 cup chocolate chips
Directions:
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