Next Best Thing to Robert Redford Dessert

INGREDIENTS

1 1/4 cups

all-purpose flour

10 tbsp

butter, melted

1 cup

finely chopped pecans or walnuts

1 8 ounce package

reduced fat (Neufchatel) or regular cream cheese

1 cup

powdered sugar

1 tsp

vanilla extract

2 8 ounce containers

whipped topping (Cool Whip)

1 5.1 ounce package

vanilla instant pudding

chocolate fudge instant pudding

3 cups

milk

1/4 cup

grated semi-sweet chocolate bar

additional finely chopped nuts, for garnish (optional)