Ooey Gooey Chocolate Chip and Toffee Bars

2 1/3 cup flour
2/3 cup brown sugar
3/4 cup butter, chilled
1 egg, slightly beaten
1 (12 oz) package chocolate chips, semi sweet
14 oz. sweetened condensed milk
10 oz. Skor toffee bits

1. Stir together flour and brown sugar
2. cut in butter until mixture resembles coarse crumbs
3. Add egg and mix well.
4. reserve 1 1/2 cups of this mixture and press remaining into a greased 9x13 inch pan.
5. Bake for 10 minutes at 350.
6. Pour milk over hot crust and top with 1 1/2 crumbs toffee bits.
7. Stir in 1 1/2 cups chocolate chips into reserved crumb mixture.
8. Sprinkle remaining crumb mixture over top plus remaining chips.
9. Bake 25-30 more minutes
10. Top with remaining toffee bits.