1 1/2 c milk, cream or half and half
1 pkg. chocolate instant pudding (4 serving size)
8 oz. Cool Whip
1 c. chopped peanut butter cup candies

Beat pudding and milk with wire whisk. Let stand 5 minutes. Fold in Cool Whip and candies. Pour in cracker crumb crust and freeze.

May substitute vanilla pudding for chocolate and chocolate English toffee bars.