Preheat oven to 375 F degrees. Melt butter in a 9 inch by 13 inch cake pan (place butter in pan and put in oven for about 5 minutes). Mix in graham cracker crumbs and press into bottom of pan (this will be the first layer). Spread coconut over the graham cracker layer, and pour the sweetened condensed milk over the coconut (this is the second layer). Bake in the oven for 20 to 25 minutes, until coconut is lightly browned. Meanwhile, in a saucepan, melt the milk chocolate chips with the peanut butter over low heat (stir frequently to avoid clumps and burning the chocolate). Upon removing the pan from the oven, immediately pour the melted chocolate mixture over the coconut (this is your third layer). Cool completely. Refrigerate in the pan for about 30 minutes, or until the chocolate firms up. Cut into bars. Enjoy! File ftp://ftp.idiscover.co.uk/pub/food/mealmaster/recipes/mmkah001.zip