Step 1: In a medium-sized bowl, soak oats in milk (covered) in the refrigerator over night.
Step 2: In the morning, drain and discard any remaining liquid.
Step 3: Stir in 3/4 cup yogurt, dried fruit, banana and apple.
Step 4: For prettiest presentation, spoon a dollop more of yogurt on top of each serving and sprinkle the berries and toasted almonds over the top.
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