Butter a 2-quart casserole dish

Cut croissants (or bread) into 1-inch cubes

Place them in the buttered dish, with sliced apples

In a medium bowl combine sweetened condensed milk, milk, eggs, vanilla, cinnamon and 2 tablespoons caramel, whisk until smooth.

Pour mixture over bread and apples.

Bake at 350 degrees for 30 minutes or until a toothpick comes out clean.

Drizzle remaining caramel on top.

Allow to cool for 10 minutes until serving.