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Preheat oven to 375 degrees F.
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Grease a 9x13 inch baking dish well.
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Cube bread and place in the baking dish.
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In a large bowl whisk together eggs, milk, cinnamon, nutmeg, and vanilla.
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Pour over bread, and let soak for at least 15 minutes (can soak overnight and leave it covered in the refrigerator).
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After soaking the bread, arrange fruit evenly over bread.
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In a medium bowl mix together the crumble ingredients together until crumbly. If the coconut oil is hard, just cut it in and there will be little chunks of coconut oil.
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Evenly sprinkle crumble mixture over the soaked bread.
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Cover with foil, and bake for 30 minutes. Uncover and bake for another 15 minutes or until the eggs set.
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Cool for 10 minutes, and serve with fresh fruit, maple syrup, honey, whipped cream, or whatever you like. Enjoy!