eejm's Tiramisu Anacapri

I originally got this out of Cooking Light magazine. I've got the nutrition information if anyone wants it. It's really, really good and really easy to make.

INGREDIENTS

• 1 cup cold water
• 1 (14-ounce) can fat-free sweetened condensed milk
• 1 (1.4-ounce) package sugar-free vanilla instant pudding mix
• 1 (8-ounce) block 1/3-less-fat cream cheese, softened
• 1 (8-ounce) tub frozen reduced-calorie whipped topping, thawed
• 1 cup hot water
• 1/2 cup Kahlua (coffee-flavored liqueur)
• 1 tablespoon instant espresso or 2 tablespoons instant coffee granules
• 24 ladyfingers (2 3-ounce packages)
• 3 tablespoons unsweetened cocoa, divided

INSTRUCTIONS
This tiramisu was a hit with our Test Kitchens staff, who agreed that it's one of the best they've come across. Ladyfingers can be found in the bakery or the frozen-food section of the supermarket. We used soft ladyfingers, which are made to be split.

1. Combine first 3 ingredients in a large bowl; stir well with a whisk. Cover surface with plastic wrap; chill 30 minutes or until firm.
2. Remove plastic wrap, and add cream cheese. Beat with a mixer atmedium speed until well-blended. Gently fold in whipped topping.
3. Combine hot water, Kahlua, and espresso. Split ladyfingers in half lengthwise. Arrange 16 ladyfinger halves, flat sides down, in atrifle bowl or large glass bowl. Drizzle with 1/2 cup Kahlua mixture. Spread one-third of pudding mixture evenly over ladyfingers; sprinkle with 1 tablespoon cocoa. Repeat layers, ending with cocoa. Cover and chill at least 8 hours.