2 ounces butterscotch chips, available on baking aisle
1 canister prepared whipped cream, from dairy aisle
1 toffee bar, chopped (recommended: Heath Bar)
In a medium heavy bottomed sauce pot, heat milk, water and sugar to a boil, then remove from heat and whisk in chocolate and butterscotch chips until they melt into the milk. Pour into small mugs or cups and top with whipped cream and crushed Heath bar toffee pieces.