Take the 2 cans of Sweetened Condensed Milk and pour them into a 13x9 pan. Cover with foil, Place pan in larger pan, filled with water. Bake at 375degrees for 1 1/2 hours. Then you take your pie crust and pour 1/2 toffee mix.Spread around. You can use a pie crust already bought but I prefer taking my own pie plate and then putting the graham crust in.It makes more room to work with. Just my preferance.Then you slice as many bananas on it as you can.Take the rest of the toffee, pour over the bananas and then let cool completely. When cool add cool whip, Chill and Serve. I crush a toffee candy bar for the top.