South African Caramel Pudding

1 can sweetened condensed milk (caramelized)
1 (9 ounce) container Cool Whip
Graham crackers
1 cup Nestle's Quik chocolate (mixed with enough
    water to make smooth paste)

Caramelize sweetened condensed milk. Let caramelized milk cool.

When milk is cool, whip milk and then add Cool Whip.

In a dish, arrange a layer of graham crackers. Place a teaspoon of chocolate mixture on each graham cracker. Add a layer of milk Cool Whip mixture. Continue with layers until all mixture is used. Refrigerate for 4 to 5 hours or overnight.