Can of refried beans
8 oz. pkg. cream cheese + 4 oz. sour cream
2 lg. tomatoes, chopped + 3-4 scallions
2 sm. jars taco sauce (mild & med. mixed)
Shredded Monterey Jack white cheese

Grease with Crisco a springform pan, bottom and sides. Layer above in order given; refrigerate in between layers to set. Refrigerate a few hours to overnight. Remove sides of springform pan and place on large dish. Serve with tortilla chips for dipping.