Chip 'N' Oat Bars

I'm embarrassed to say these were so good Ricky and I ate the whole pan almost entirely by ourselves (E and F had 2 bars each). We used chocolate chips and butterscotch chips, but if you don't eat chocolate you could just double the amount of butterscotch chips and omit the milk chocolate and it would still be yummy.

1 cup flour
1 cup quick-cooking oats
3/4 cup firmly packed brown sugar
1/2 cup butter, softened
1 (14-oz) can sweetened condensed milk
1 cup milk chocolate chips
1 cup butterscotch chips

1. Preheat oven to 350 (325 for glass baking dish).
2. Combine flour, oats, sugar and butter; mix well.
3. Reserve 1/2 cup oat mixture, press remainder on bottom of 9x13-inch baking pan.
4. Bake 10 minutes.
5. Pour sweetened condensed milk evenly over crust.
6. Sprinkle with chips. Top with remaining oat mixture; press down firmly.
7. Bake 25-30 minutes or until lightly browned.
8. Cool. Cut into bars.