SOS/Chipped Beef on Toast, Done My Way with Ham

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INGREDIENTS
3 Tbsp butter/oil or a mixture of both
3 Tbsp flour
2 cups milk
1 cup shredded/thinly sliced ham
1 tsp salt
1/2 tsp ground pepper
1/4 tsp or more to taste sweet paprika
Wheat toast, or English muffins, toasted
Optional: poached eggs, 1/2 cup grated cheese
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