Chocolate Bread Pudding

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   ["Preheat oven to 350. Arrange bread cubes on a baking sheet in a single layer. Bake 5 minutes until toasted. Combine milk and next 5 ingredients (thru egg) in a medium bowl, stirring well with a whisk. Add bread, toss to coat. Cover and chill 30 minutes or up to 4 hours. Divide half of bread mixture evenly between 2 (6oz) ramekins coated with cooking spray; sprinkle evenly with half of shredded chocolate. Divide remaining bread mixture between ramekins; top with remaining chocolate. Place ramekins in an 8"" square baking pan; add hot water to pan to a depth of 1"". Bake at 325 for 35 minutes or until set.", "Top each with 1 T fat-free whipped cream just before serving."]

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