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Put all ingredients except chocolate chips and beans in food processor. Starting with 1 tablespoon of milk, adding more depending upon the desired final consistency.
Rinse beans and remove skin from each one.
Add beans to other ingredients in food processor and purée.
If you like it thick add less milk, for a thinner consistency add more.
Take out of food processor and mix in chocolate chips.
Enjoy! I use animal crackers but you can use whatever you want!