1. Make the coconut custard: Preheat broiler to 300 degrees. Spread coconut on a heating sheet, and prepare until light gold, around 3 minutes.
2. Whisk together yolks, 1/4 glass sugar, and the cornstarch in a dish. Bring milk, coconut drain, and remaining 1/2 glass sugar to a bubble in a medium pot, blending until sugar breaks down.
3. Include 1/3 of the milk blend to yolk blend, whisking always. Include remaining milk blend in a moderate, constant flow, whisking always. Come back to pot, and cook over medium warmth, whisking continually, until marginally thickened, around 3 minutes.
4. Expel from warmth, and speed in spread and vanilla. Fold in coconut, then exchange to a dish. Press plastic wrap specifically on surface of custard, and refrigerate until chilled and firm, around 60 minutes (or overnight).
5. Make the chocolate custard: Sprinkle gelatin more than 2 tablespoons milk in a little bowl, and let stand until relaxed, around 5 minutes. Whisk together yolks and sugar in a medium dish.
6. Bring 1/4 container cream and remaining 1/4 glass milk to a stew in a medium pan over medium warmth. Include 1/3 of the cream blend to yolk blend, whisking continually. Include remaining cream blend in a moderate, constant flow, whisking always.
7. Return blend to pan. Place over medium warmth, and cook, whisking continually, until custard coats the back of a spoon, around 3 minutes. Expel from warmth, and blend in mollified gelatin.
8. Place chocolate in a medium dish. Strain cream blend over chocolate, and let stand for 1 minute. Mix until smooth, and let cool. Whisk remaining 3/4 glass cream until medium-firm tops structure.
10. Fold 1/3 of the cream into chocolate blend, then overlap in the rest. Make the rum syrup: Bring sugar and rum to a bubble in a little pot, mixing until sugar breaks up. Let cool.
11. To collect the charlotte: Place a 6-by-3-inch cake ring, on a material lined rimmed heating sheet. Coat ring with cooking shower. Organize ladyfingers upright inside ring, bended side touching ring. (Utilize sufficiently only to fit cozily.)
12. Fit 1 cake round in base of cake ring. Brush ladyfingers and cake with syrup. Spread 3/4 glass chocolate custard in ring, then top with 1 container coconut custard. Rehash with cake, syrup, and custards, leaving 3/4 inch from top of ladyfingers.
13. Cover, and refrigerate for no less than 4 hours (or overnight). Let stand at room temperature for 15 minutes, then tenderly uproot cake ring. Top charlotte with whipped cream, and refrigerate for 15 minutes. Tie with bow, if sought, before showing at the table. Cut, and serve instantly.