Only the father knows

1. Crush the crackers and cookies and combine. Line the bottom of a 13 x 9 x 2 inch dish with the 3/4 of the mixture. Layer the bananas on top of the crumbs.

2. In a bowl, combine the milk and pudding mix and blend well using a hand held mixer or whisk. In another bowl, combine the cream cheese and condensed milk together and mix until smooth. Fold the whipped topping (or the fresh whipped cream) into the the softened cream cheese. Add the cream cheese mixture to the pudding mixture and stir lightly until well blended. Pour the mixture over the crushed cookies, crackers and sliced bananas. Then cover the pudding mix with the remaining 1/4 of the crumb cookie mixture. Refrigerate till ready to serve.