1-1/2 cup graham cracker crumbs
1 (14 ounce) can sweetened condensed milk
1 (12 ounce) package milk chocolate chips
1 cup peanut butter chips
Preheat oven to 350 degrees. In 13 x 9-inch baking pan, melt margarine in oven. Sprinkle the graham cracker crumbs evenly over the margarine. Then pour sweetened condensed milk evenly over crumbs. Top with chips and press down firmly.
Bake 25 to 30 minutes or until lightly browned. Cool and cut into bars.