Suggestions:
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Use a food processor if you have one instead of a mixer - no lumps.
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Toss the cream cheese packets in your pre-heating oven for a few minutes. (Take them outta the boxes first, but leave in the foil). Much easier to
get smooth batter when the cream cheese is very soft. -
Sift together the flour and sugar, then beat together w/ the cream cheese.
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Use a Pyrex cup to melt the chocolate chips for the topping; add enough heavy cream to the chips before microwaving to almost cover. This is a quickie ganache.
