Golden Corral's Banana Pudding?!

[unseenfiend]

so i used this recipe to make banana pudding because i absolutely love theirs. but when i made it, the consistency never changed. its still very liquidity and it sat in the fridge over night. what did i miss here??!! im upset. its still really good but its like drinking it instead of eating it.

1 (14 oz) of sweetened condensed milk
1 1/2 cup of cold water (or milk)... i used milk
1 (4 oz) package of instant vanilla pudding mix
2 cups of cool whip
1 box of vanilla wafers
3 bananas sliced