Preheat oven to 350 degrees. In a large bowl mix the flour and sugar together.

Cut in butter until the mixture is coarse crumbs, Add beaten egg and mix well.

Stir in 1 1/2 c. chocolate chips and nuts. Reserve 1 1/2 c. of that mixture.

Press the rest into a greased 9x13 baking dish.

Bake for 10 minutes.

Pour the sweetened condensed milk over the top in an even layer. Top with 1 1/2 c. toffee bits. Sprinkle reserved crumb mixture on top, followed by the remaining chocolate chips.

Bake 25-30 minutes or until golden brown.

Sprinkle remaining toffee bits on top, the cool completely before cutting into bars.