2 c. water
1 1/2 c. brown sugar
3/4 tsp. cinnamon
2 tbsp. butter
6 slices toast
1/2 c. raisins
1/2 c. almonds
2 c. apples, sliced and peeled
1/2 c. shredded Monterey Jack cheese

Bring water, brown sugar, cinnamon to boil, reduce heat and simmer uncovered 3 minutes. Stir in butter. Cut toast in 1-inch pieces; fold into sugar mixture along with raisins and nuts. Place half of this mixture in 8 x 8-inch dish. Top with apples, then rest of mixture. Cover and bake at 350 degrees for 20 minutes. Uncover and sprinkle with cheese. Bake uncovered 20 minutes until apples are tender. Serve warm with cream.