CRUST:

1 c. flour
1/2 c. butter, melted
1/2 c. nuts

1ST LAYER:

1 (8 oz.) pkg. cream cheese
1 c. confectioners sugar
2/3 of lg. container Cool Whip

2ND LAYER:

2 sm. pkgs. instant chocolate pudding (or any flavor)
3 1/2 c. milk

3RD LAYER:

Remaining 1/3 of Cool Whip
Nuts, chopped or coconut (sprinkle on top)

Mix crust ingredients. Press into 9 x 13-inch pan. Bake at 350 degrees until golden brown. Allow to cool. Mix well each layer and add layer by layer. Refrigerate.