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Preheat oven to 180°C/355°F.
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Grease an 8 x 4 x 3 inch loaf pan or muffin tins.
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In medium bowl, mix wet ingredients.
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In a separate bowl, mix dry ingredients then combine.
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Bake loaf for 35-45 minutes and muffins for 15-20 minutes.
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Check regularly and remove when the center is set and very slightly brown on the edges.
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Do NOT over bake.