Preheat your oven to 350°F. Grease a 9×5-inch loaf pan and line it with parchment paper. In one bowl, whisk together the first five ingredients. In another bowl, whisk the remaining ingredients, then combine the wet mixture with the dry. Stir just until everything is evenly mixed. Pour the batter into the prepared loaf pan and, if desired, sprinkle extra chocolate chips on top, pressing them in gently. Bake for 45 minutes, then turn off the oven without opening the door. Leave the loaf in the closed oven for an additional 10 minutes. If it’s still undercooked, turn the oven back on and continue baking, checking every five minutes, until a toothpick inserted in the center comes out mostly clean. Let the loaf cool completely, then loosely cover or refrigerate it overnight before slicing and serving—if you can wait! The flavor and texture will improve significantly by the next day.
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