I love cooking, but I don't always have the time to spend hours in the kitchen. So I came up with this healthy and very simple comfort food based on the idea of tiramisu. Originally I used low-fat curd instead of mascarpone, but I don't think you can easily get curd in the USA. If you can find it, give it a try. If not, just use the mixture of low-fat cream cheese, cottage cheese and plain yoghurt. I found it equally good :-) You can also substitute the cereal with any cereal you like, or just crush two or three cookies. Cooking time is preparation time. Addition after rating: The banana should NOT be omitted because first of all it's the natural sweetener which smooths the slight tartness of quark or yoghurt, and second it adds some more micronutrients we need. If you can get reduced fat ricotta, use it instead of the cottage cheese - cream cheese - yoghurt mixture, it's less tart.