CRUST (first layer) :
1 c. flour
1/2 c. butter

Mix crust like pie crust and put in 9x13 pan. Bake at 350 degrees for 10 minutes. Cool.

SECOND LAYER:

1 (8 oz.) pkg. cream cheese
1 c. powdered sugar
1 (8 oz.) container Cool Whip
1 tbsp. milk

Beat cream cheese and powdered sugar and milk until smooth; fold in Cool Whip and put over crust.

THIRD LAYER:

2 (3.4 oz.) pkg. coconut cream instant pudding
3 c. milk

Beat pudding with milk until thick. Spread over cream cheese layer.

FOURTH LAYER:

Cool Whip
Toasted coconut

Cover with Cool Whip and sprinkle with toasted coconut. Chill overnight. Also freezes well.