In large bowl combine sweetened condensed milk, water, lemon rind; mix well.
Add pudding mix and beat until well blended.
Chill for 5 minutes.
Fold in whipped cream. Spoon 2 cups pudding mix into large clear glass bowl;
top with half the cake cubes, the strawberries, half the remaining pudding mixture,
the remaining cake cubes, the blueberries and the remaining pudding mix (spread
to 1-inch of edge of bowl).
Chill for at least 4 hours.
Garnish as desired.
You can substitute peaches for the strawberries, etc.