07Carefully melt the vanilla or white chocolate chips and the cream either carefully on the stove on very low, stirring constantly, or in the microwave.
08Beat in the cream cheese.
09When crust is cool, pour on the melted chocolate/cheese mixture, spreading evenly.
10Cover with plastic wrap and chill until ready to serve--at least 3 hours.
11Slice the fruit of your choice and place on the tart in an attractive manner.