Chocolate Chip Toffee Bars

2 1/3 cups flour
2/3 cup packed brown sugar
3/4 cup butter or margarine (soft)
1 egg, slightly beaten
1 cup chopped nuts (optional)
1 (12 oz.) package chocolate chips
1 (14 oz.) can of sweetened condensed milk
1 (10 oz.) package toffee bits

Preheat oven to 350 degrees.
In a large bowl stir together flour and sugar.
Cut in butter and mix until it resembles coarse crumbs.
Add egg and mix well. Stir in 1 1/2 cups of chocolate chips and nuts.
Reserve 1 1/2 cups of mixture and set aside.
Press remaining crumb mixture onto bottom of 13x9 greased baking pan.
Bake for 10 minutes.
Pour sweetened condensed milk over crust; top with 1 1/2 cups of toffee bits.
Sprinkle reserved crumb mixture and remaining chocolate chips over top.
Bake for 25-30 minutes or until golden brown.
Sprinkle with remaining toffee bits.
Cool completely.
Cut into bars.