Soak the gelatin sheets in cold water for 5 minutes, or until softened.
In a saucepan, combine the heavy cream, milk, sugar, and the seeds scraped from the vanilla bean. Heat over low heat until the sugar is completely dissolved, but do not boil.
Squeeze the excess water from the softened gelatin sheets. Add them to the warm cream mixture and stir until completely dissolved.
Meanwhile, in a blender or food processor, purée the ripe banana with the lemon juice to prevent browning.
Let the panna cotta mixture cool slightly, then gently fold in the banana purée until smooth and creamy.
Strain the mixture through a fine-mesh sieve, then pour into small ramekins or glasses.
Let cool to room temperature, then refrigerate for at least 4 hours, or until fully set.
Before serving, garnish with fresh banana slices and drizzle with honey or melted chocolate, if desired.
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