"Note: I use the Heath brand of chocolate covered toffee bits. If you can't find chocolate covered, chop up regular-sized Heath bars. Make sure the cream cheese is at room temperature, otherwise, the topping may be prone to little lumps of cream cheese. Also, it's really important to have a healthy layer of bananas otherwise the pie is too sweet. If your bananas are small and two won't cut it, don't be afraid - add a third...."