1 (8 oz.) container cream cheese
1 (8 oz.) carton sour cream
1 can Frito-Lay bean dip
2 to 4 tbsp. picante sauce
1/8 tsp. chili powder (optional)
3/4 c. Cheddar cheese, grated or sliced
3/4 c. Swiss cheese, grated or sliced

Mix all ingredients except cheese in blender. Put half mixture into 9x9 inch dish. Layer with half cheeses. Top with remainder of mixture and cheeses. Bake 30 minutes at 350 degrees or microwave 10 to 15 minutes on medium or medium high.