1 c. flour
1/2 c. butter
1/2 c. finely chopped nuts
8 oz. pkg. cream cheese
1 c. powdered sugar
1 c. Cool Whip
1 pkg. butterscotch pudding
1 pkg. coconut cream pudding
3 c. milk

First layer: Mix first 3 ingredients and pat in 9x13 inch pan. Bake 10 minutes at 350 degrees. When cool add:

Second layer: Mix together cream cheese and powdered sugar; fold in Cool Whip. Spread on top of cooled crust.

Third layer: Mix butterscotch pudding and coconut cream pudding. Add milk; cook. When cool, spread on top of second layer in pan. Spread whipped cream on top of cooled pudding. Add nuts to top if you wish.