Pour milk into large bowl. Add pudding mix. Beat with a whisk until well blended, 1 to 2 minutes. Let stand 5 minutes. Stir in topping and half the crushed cookies. Place 1 Tablespoon crushed cookies in each cup. Fill cups 3/4 full with pudding mix. Top with remaining cookies. Refrigerate for one hour. Decorate with gummy bears - umbrellas or anything of your choice. Makes 8 servings.