2 (8 oz.) cream cheese
1/2 c. mayonnaise
2 tbsp. chili powder
1/2 tsp. cumin
1 tsp. garlic powder

Mix together and spread on plate.

SECOND LAYER:

Sprinkle Tabasco sauce over cheese spread
1 can refried beans, spread on cheese
3 to 4 tbsp. salsa, on top of beans

THIRD LAYER:

1 c. Monterey Jack
1 c. Cheddar cheese

Grate and sprinkle on top.

FOURTH LAYER:

Shredded lettuce
Chopped tomatoes

Place on top of cheeses.