1 1/2 c. graham cracker crumbs
1/2 c. firmly packed brown sugar
1/3 c. all-purpose flour
1/2 c. butter, melted
1 (14 oz.) can sweetened condensed milk
1 (7 oz.) pkg. flaked coconut
1 (12 oz.) pkg. semi-sweet chocolate morsels
2 tbsp. chunky peanut butter

Combine first 4 ingredients in a medium bowl. Press mixture into an ungreased 13x9x2 pan. Bake at 350 degrees for 10 minutes.

Combine sweetened condensed milk and coconut, mixing well. Spread over crust. Bake at 350 degrees for 10-12 minutes.

Combine chocolate morsels and peanut butter in a small saucepan. Cook over low heat, stirring constantly until chocolate melts. Spread over coconut layer. Garnish with pecans if desired.