1Mix together the milk, cream and cheddar cheese; set aside.
2Stir gelatin into boiling water until dissolved. Add frozen orange juice and stir until melted. Pour into 9x13 baking dish; add pineapple and oranges then cover and chill until set.
3Prepare pudding according to directions, using only 1 1/2 cups milk. Let it stand for 5 minutes. Then fold into whipped cream. Spread over the top of the set gelatin; then sprinkle with cheese. Cover and refrigerate 2 hours or until ready to serve.