Arepas with Creme Fraiche and Caviar

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2 1/2 cups warm water

1 teaspoon kosher salt 

2 cups cooked white cornmeal (masarepa)

8 tablespoons lard (can substitute vegetable oil if desired)

1 cup creme fraiche 

2 hard-cooked large eggs, peeled and finely chopped 

1/2 cup minced chives

1/2 cup minced shallot 

2 ounces caviar