1. Heat oil in a large saucepan. Add onion, garlic and ham, saute 5-10 minutes or until starting to brown. Add flour and stir well and cook 5 minutes. Add 2 cups water and spinach. Cook 10 minutes or until spinach wilts down. Add 2 cups milk and Romano Cheese. Cook 10 minutes on low.
2. With an immersion blender, blend until mixture is creamy, but not totall blended. (Or place mixture in a food porcessor and pulse until cremy.) Add cream and heat through. Serve with croutons.