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1. Preheat oven to 400 F.
2. Grease muffin pan.
3. Beat milk, oil and egg in mixing bowl. Fold in apples.
4. Stir in flour, sugar, baking powder, salt and cinnamon, all at once, until flour is moistened.
5. Spoon batter evenly into muffin cups.
6. Mix the crisp ingredients together and generously top each muffin with the crisp mixture.
7. Bake about 18-20 minutes.
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