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Combine the milk with the half-and-half in a small saucepan.
Warm over medium-low heat, and then stir in the chocolate chips until melted (though there will still be lovely particles of chocolate throughout). If it's too chocolaty for you, splash in a little more milk.
Add a splash of vanilla extract. If it's not quite sweet enough for you, add 1 teaspoon or so of sugar. 5. Serve in mugs with whipped cream.