Preheat oven to 350~ (325~ for glass dish). In 9x13" pan, melt margarine in oven. Sprinkle crumbs over margarine; pour sweetened condensed milk evenly over crumbs. Top with remaining ingredients, in order; press down firmly. Bake 25-30 minutes or until lightly browned. Cool. Chill if desired. Cut into bars. Store loosely covered at room temperature.

1). Seven Layer Magic Bars: Add 6 oz package butterscotch morsels after chocolate chips.

2). Double Chocolate Magic Bars: Increase chocolate chips to 12 oz.

3). Rainbow Cookie Magic Bars: Add 1 cup plain M&M's after chocolate chips.

4). Magic Peanut Bars: Omit chocolate chips. Add 2 cups chocolate covered peanuts.

5). Mint Magic Bars: Combine 1/2 tsp peppermint extract and 4 drops green food coloring with sweetened condensed milk.

6). Mocha Magic Bars: Add 1 tbls instant coffee granules and 1 tbls chocolate flavored syrup to sweetened condensed milk.

7). Peanut Butter Magic Bars: Beat 1/3 cup peanut butter with sweetened condensed milk. Add 6 oz peanut butter chips after chocolate chips.

8). Maple Magic Bars: Combine 1/2 to 1 tsp maple flavoring with sweetened condensed milk.