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["Set oven to 350 degrees F.", "Grease a 13"" x 9"" baking pan.", "In the microwave, melt the butterscotch baking chips (watch closely not to scorch the chips).", "In a mixing bowl, combine cream cheese and milk (or cream if using); stir in melted butterscotch chips; set aside.", "Combine flour, sugar, baking soda and baking powder.", "Cut in cold butter, until mixture resembles fine crumbs.", "In another bowl, combine eggs, buttermilk and vanilla; stir into flour mixture just to moisten.", "In prepared baking pan, spread the butterscotch/cream cheese mixture evenly in the bottom of the pan.", "Spoon the buttermilk cake batter over the butterscotch crust; sprinkle with the topping.", "Bake for 40-45 minutes.", "To make the topping: combine the flour and sugar; cut in butter until mixture resembles fine crumbs, stir in pecans; sprinkle over top of cake before baking."]
