Caramel Cracker Bars

2 cups graham cracker crumbs
1 cup brown sugar
1 cup sugar
1 cup butter
1/2 cup milk
1 box Ritz crackers
1 cup butterscotch chips
1 cup semisweet chocolate chips
3/4 cup peanut butter

In a saucepan, heat graham cracker crumbs, sugars, butter and milk.  Bring to a boil and continue stirring while boiling for 5 minutes.  Remove from heat.  In foil lined and buttered 9x13 pan, layer Ritz crackers over bottom.  Pour half of caramel mixture over the crackers, then lay another layer of crackers over the caramel mixture, and cover that with the remaining caramel.  Repeat with one more layer of Ritz crackers.  Refrigerate while continuing with the next step.

In a small saucepan, melt butterscotch and chocolate chips with peanut butter.  Stir until smooth and creamy.  Pour over crackers and refrigerate 4 hours or overnight.  Serve cold.