8 oz. cream cheese
8 oz. sour cream
1 can refried beans
1 pkg. dry chili seasonings mix
1/4 c. taco sauce (med. salsa)
2 tbsp. chopped parsley
Dash of Tabasco
5 oz. shredded cheddar cheese, for topping
5 oz. shredded Monterey Jack, for topping

Preheat oven to 325 degrees.

Mix all ingredients in medium bowl. Pour mixture into medium baking dish. Top with two shredded cheeses. Bake 15 to 20 minutes. Dip taco chips