preheat. oven 350'

sift together flour and next 4 ingredients. set aside

combine orange zest and next 4 ingredients in a bowl

Add flour mixture stirringng until combined

Stir in nuts

Add cranberries and chocolate chips

Pour into lightly greased 9 x5x3 loaf pan

or into muffin pans

bake, 1 hour or until toothpick comes out clean

muffins---20 minutes, additional 5 mins. at a time

cool in pan on wire rack 10 minutes