Whoopee! Just a big thank you all for the answers..I made a tray this morning in this order..First the melted margarine & cracker mixture in bottom of tray ( oiled ) Then the sweet condensed milk,then the flake coconut,then the butterscotch chips,then the chopped almonds,then the chocolate chips..Into the oven at 160 for 30 mins...My best yet..When you slice down the cake,you can see the individual layers,but the taste is friggin awesome.P.S. One thing I did do was add some cinnamon to the mixture..Yummy..