1 (14 oz.) can Eagle Brand (sweetened condensed, not evaporated)
1 1/4 c. cold water
1 (4 serving) pkg. instant vanilla pudding
2 c. (1 pt.) Borden (or any) whip cream, whipped
36 vanilla wafers (or more to taste)
36 med. ripe bananas sliced & dipped in real lemon juice conc. to prevent browning

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