Winter Fruit Salad

8 red apples, such as Jonathan or Gala, cored and diced
8 green Bartlett or Anjou pears, cored and diced
4 cups (500 g) fresh strawberries, stems removed, sliced
2 cups ( 480 ml) fresh orange juice
1 cup ( 240) fresh lemon juice
1/4 cup orange-flavored liqueur (optional)
sugar substitute, to taste (optional)
4 bananas, sliced  

Instructions:

Place all of the fruit (except bananas), juices and liqueur (if using) in a large attractive bowl. Add sugar substitute, if using. Gently mix. Cover bowl and refrigerate 4 to 8 hours, but no longer. Just before serving, stir in banana slices.