Instructions: Preheat oven to 350 degrees.

Combine graham cracker crumbs, sugar and butter. Mix well. Pat into ungreased 13- by 9- by 2-inch pan. Bake for 15 minutes.

Combine condensed milk and coconut. Spread on baked layer. Return to oven; bake 15 minutes longer.

Melt chocolate; spread over baked layers. Let cool in pan set on rack, then cut into 2 1/2- by 1 1/4-inch bars.

Yield: 36 bars.

Testers note: Easy, quick and rich. A nice holiday cookie.

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