1 (14 oz.) can sweetened condensed milk (NOT evaporated)
1 1/2 c. cold water
1 pkg. instant vanilla pudding mix (4 servings)
2 c. (1 pt.) whipping cream, whipped
36 vanilla wafers
3-5 bananas, sliced & dipped into real lemon juice concentrate

In large bowl combine condensed milk and water. Add pudding mix; beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into a 2 1/2 quart glass serving bowl. Top with 1/3 each of wafers, bananas, and pudding; chill. Garnish as desired. Refrigerate leftovers.