1/2 c. melted butter
1/4 c. brown sugar
1 c. flour
1 sm. pack slivered almonds
3 1/2 oz. coconut
2 2/3 c. milk
2 c. Cool Whip
2 sm. or 1 lg. pkg. coconut cream, banana, or vanilla instant pudding

To the melted butter, add brown sugar, flour, almonds, and coconut. Brown in 325 degree oven (approximately 1 hour). Stir frequently. Mix milk and pudding. Add Cool Whip to pudding mixture. Spread half of crumbs on bottom of bowl. Add layer of pudding, layer of crumbs, layer of pudding. Garnish top with crumbs. Cool and serve. Crumbs can be made the day before.