When chowder is steaming, stir in the cheese to melt. Taste and adjust seasonings. (If you want a thicker chowder, you can make a small amount of butter and flour roux in the microwave and add it to the steaming soup.) Cook until thickened, and raw flour taste is gone. Serve in bowls or chowder mugs with oyster crackers, saltines or buttered rye bread toast.