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Combine water and Nido in a small bowl; stir until Nido is dissolved. Stir in yogurt and Nesquik; stir until Nesquik is dissolved. Divide mixture between two small jars or bowls. Add ¼ cup oats to each jar; stir until mixed well. Cover; refrigerate overnight. Can be eaten cold or microwaved for 20 to 30 seconds, if desired. Top each with 2 tablespoons banana and 1 teaspoon morsels before serving. Drizzle with honey.