Pour into buttered, 9 x 13-inch pan. Mix: 2 cans sweetened condensed milk 1/2 c. butter, melted 1 tsp. cinnamon 1 tsp. nutmeg

Pour over apples. Mix: 1 c. flour 1 c. oats 1/2 c. butter

Mix well (first dry ingredients, then cut in butter). Sprinkle over first two layers.

Bake 55 minutes to 1 hour or until set. Best with vanilla ice cream!