Go to:    FRAN'S CHOCOLATES LTD. Coconut Gold Bar, 12 (1.6-ounce) bars, $24 www.franschocolates.com 800-422-3726 It's amazing what happens to an Almond Joy when a master chocolatier gets her hands on it. Finely shredded coconut is suspended in white chocolate ganache that has a faint whiff of rum (we wouldn't mind a bit more). The chocolate coating is dark and smooth, with just enough bitterness to keep the filling from falling into sugar overload. The toasted almonds taste just like toasted almonds, but in this environment they seem to have found their true calling.