Slightly stale homemade brown bread, cut into slices then cubed.
A crisp apple, quartered, cored, and thinly sliced (would've been better with two.)
Chocolate pudding mix, the cooked kind, prepared as per directions (for my box it was 3 cups of milk)
In a buttered deep rectangular casserole, layer bread, then apples; dot apples with butter and sprinkle with cinnamon (and other spices as desired). Repeat layering.
Pour in the chocolate pudding mixture.
Top with brown bread crumbs mixed with butter and brown sugar (no sugar elsewhere in this as the pudding mixture and apples both contribute)--could also add rolled oats for crunch if desired.
Bake at 300F (my guess--have only done this once) until the liquid has thickened a lot.
The bread/apple mix should be sort of sliceable when hot, and is definitely sliceable when chilled. Excellent hot with ice cream or whipped cream on top, and very good indeed when chilled, either alone or with the ice cream or whipped cream.