• In large bowl combine 1 cup flour, sugar, undissolved yeast and salt.
• Heat milk, water and butter in small saucepan until it reaches 120F - 130F.
• Gradually add to dry ingredients.
• Beat 2 minutes at medium speed with an electric mixer, scraping bowl occasionally.
• Stir in chocolate chips and remaining flour to create a soft batter.
• Pour into a greased 9 x 13 inch baking pan.
• Cover, let rise in warm, draft-free place until doubled in size (about 1 hour)
• Bake at 400F for 15 minutes; remove from oven and sprinkle with Chocolate Nut mixture and return to oven and bake additional 10 minutes.
• Cool in pan for 10 minutes then transfer to wire rack.

Chocolate Nut Topping:

• In medium bowl, cut butter into flour until crumbly.
• stir in sugar, cinnamon, chocolate chips and nuts.