1 lg. can refried beans
1 (3 oz.) pkg. Philly cream cheese
1 med. bottle taco sauce, mild
1 head lettuce
1 tomato
1 green pepper
2 c. shredded Cheddar cheese
1 bag corn (reg.) tortilla chips

Mix beans and cheese. Spread on plate. Shred lettuce and place on top of beans. Add sauce. Add tomato. Add pepper. Add Cheddar cheese.