1ST LAYER:

1 c. flour
1 stick butter
1 c. nuts, chopped

Mix together until crumbly, pat into bottom of pan 7 x 7 inch or larger than loaf pan. Bake at 350 degrees 15 minutes. Let cool.

2ND LAYER:

1 (8 oz.) pkg. Philadelphia cream cheese
1 c. powdered sugar
1 pkg. Dream Whip (mix with milk & vanilla) or (I use Cool Whip)

Mix cream cheese and powdered sugar until fluffy and fold in Dream Whip. Add to first layer.

3RD LAYER:

2 sm. boxes instant butterscotch pudding mix
3 c. milk

Mix butterscotch pudding mix with 3 cups milk and add to second layer. (Can use chocolate or lemon pudding.)

4TH LAYER:

1 pkg. Dream Whip (mix with milk & vanilla)

Add to third layer. Put roasted coconut on top. (Roast coconut on cookie sheet in oven before adding to 4th layer.)