Rich Chocolate Chip & Toffee Bars

Heat oven to 350°F (175°C). Grease a 13 x 9 x 2-inch baking pan; set aside. In a large bowl, combine flour and brown sugar; cut in butter with a pastry blender until mixture resembles coarse crumbs. Add egg; mixing well. Stir in 1 1/2 cups chocolate chips and the nuts; set aside 1 1/2 cups mixture. Press remaining crumb mixture onto bottom of prepared pan. Bake 10 minutes. Pour sweetened condensed milk evenly over hot crust; set aside 1/4 cup toffee bits. Sprinkle remaining toffee bits over sweetened condensed milk. Sprinkle reserved crumb mixture and remaining 1/2 cup chips over top. Bake 25 to 30 minutes or until golden brown. Top with reserved toffee bits. Cool completely before cutting into bars.