Chocolate milk is not a solution. It is a form of suspension called a colloid. Fat and chocolate particles are suspended in a fluid - they do not dissolve in water, but yet are small enough to spread evenly and maintain a homogenous appearance. A solution is only one when the solute ionizes and disassociates in the solvent. read more
Milk is not a solution because it has more than one phase suspended in it -- it has a liquid phase and a solid phase. Unhomogenized milk is not a solution, it's a suspension because the fat (aka cream) will separate from the rest of the milk and rise to the top, since fat is less dense than water. read more