Easy Overnight Fruit Salad

1 pkg (3 to 3 5/8 oz) vanilla pudding and pie filling

1 3/4 cups milk

1 can (11 oz) mandarin oranges, well drained

1 can (20 oz) pineapple chunks, well drained

2 cups seedless grapes, banana slices* or apple chunks

2 cups miniature marshmallows

1 cup whipping cream, whipped, or 2 cups whipped cream substitute

Maraschino cherries or strawberries

Place pudding mix in 4 cup measure or 1 1/2 quart mixing bowl.  Stir in about 1/3 cup milk until smooth, the add remaining milk.  Microwave at High 3 minutes; stir.  Microwave 1 to 4 minutes, stirring every minute, or until mixture boils.  Refrigerate until cold.

In large bowl, combine pudding, fruit and marshmallows.  Fold in whipped cream.  Refrigerate at least 8 hours overnight.  Garnish with cherries or strawberries.

*If bananas are used, add at serving time.