Layered Chocolate Fluff

First Layer:
1 cup flour
1/2 cup chopped pecans
1/2 cup margarine, melted

Combine ingredients.  Press into 9x13" pan.  Bake at 350 degrees for 12-15 min.  Cool.

Second Layer:
8 oz. cream cheese, softened
1 cup whipped topping (like Cool Whip)
1 cup powdered sugar

Beat second layer ingredients until fluffy.  Spread on top of cooled first layer.

Third Layer:
1 small package instant chocolate pudding
1 small package instant cheesecake pudding
Milk, as directed on boxes (minus a little, to make the pudding stiffer)

Mix instant pudding with milk.  Spread over second layer.

Fourth Layer:
1 cup whipped topping (like Cool Whip)

Top whole dessert with whipped topping.  Chill until set.
Grate chocolate bar over top or sprinkle with chopped nuts or toasted coconut.