1/2 c. buttermilk
2 pkgs. instant vanilla pudding
1 (20 oz.) can crushed pineapple, not drained
2 (11 oz.) cans mandarin oranges, drained
16 oz. Cool Whip
Crushed cookies or graham crackers

Mix buttermilk and pudding in bowl. Fold in undrained pineapple, oranges and Cool Whip. Top with crushed cookies or crackers. Let stand overnight.