1 can (15 oz.) refried beans
1 c. sour cream
4 oz. cream cheese
1 pkg. taco seasoning
Taco sauce (mild or hot)
Chopped lettuce
Chopped tomatoes
Shredded Cheddar cheese
Tortilla chips, for dipping

Spread bean on large platter (10 by 13 inch) with out edges. Mix together cream cheese, sour cream and taco mix. Spread this on beans. Put taco sauce over top and cover with lettuce, tomatoes and cheese. Use tortilla chips for dipping and eat.