Mix all ingredients up until the flower. Once wet ingredients are mixed, add the flower in increments with the baking powder and baking soda. Once all mixed, fold in as many chocolate chips as desired (save some for the top). Preheat oven to 350. Pour batter into a greased bread pan and sprinkle some extra chocolate chips on top. Bake for 50-55 minutes or until a toothpick comes out clean.