| Heat oven to 400. Grease muffin pan.
Beat milk, oil and egg. Add apples. Stir in flour, sugar, baking powder, salt and cinamon, all at once, until flour is moistened.
Divide into muffin tray.
Mix the crisp ingredients together, generously top each muffin with the crisp mixture. Bake about 18-20 minutes.
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