1 (14 oz.) can condensed milk
1 1/2 c. cold water
1 (4 serving size) instant vanilla pudding
2 c. or 1 pt. whipping cream or Cool Whip
36 vanilla wafers
3 med. bananas
Lemon juice (squeeze onto banana pieces)

In a large bowl combine condensed milk and water. Add pudding and beat. Chill 5 minutes. Fold in whipping cream. Spoon in 1 cup pudding mixture in bowl. Top with 1/3 wafers and banana. Add pudding and repeat for a total of 3 layers and both a few wafers and banana pieces for decoration. Chill. Enjoy!