FIRST LAYER:

1 c. flour
1/2 c. chopped nuts
1 stick softened butter

Combine ingredients and press into a 9x13 pan. Bake at 350 degrees for 20 minutes.

SECOND LAYER:

8 oz. cream cheese
1 c. powdered sugar
1 c. Cool whip

Blend ingredients well and spread on top of first layer.

THIRD LAYER:

2 (3 oz.) pkgs. instant pudding mix (chocolate or any flavor)
3 c. cold milk

Mix pudding and milk and pour over second layer.

FOURTH LAYER:

Spread rest of 9-ounce Cool Whip on top. Garnish with coconut or nuts.