12 oz. chocolate chips or butterscotch chips
1/3 c. butter
2 c. graham cracker crumbs
1 c. chopped pecans
1 (8 oz.) pkg. softened cream cheese
1 (14 oz.) can sweetened condensed milk
1 tsp. vanilla
1 egg

In medium saucepan, melt chips, butter; stir in nuts and crumbs. Press 1/2 of mixture firmly into bottom of greased 13x9 inch pan.

In large bowl, beat cream cheese until fluffy, beat in milk, vanilla, eggs - mix well. Pour into prepared pan and top with remaining crumb mixture.

Bake 20 to 25 minutes until toothpick comes out clean. Cool to room temperature. Chill before cutting. Refrigerate leftovers (if you have any!).