In blender, mix banana liquer, rum, chocolate liquer, creme de cacao and milk with ice and blend until smooth. Pour into either red wine glass or rocks glass, top with a dollop of whipped cream, sprinkle of nutmeg and a cherry on top. Use a VERY light touch with the Malibu.
Make this for people you LIKE: cleaning the used glasses is a major pain in the butt. For people you DON'T like, hey, your blender is broken...
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