8 oz. cream cheese
10 oz. Frito bean dip
5 drops Tabasco
1 c. sour cream
1/2 c. chopped onion
1/2 pkg. taco seasoning mix

Mix ingredients and layer with 1 cup Monterey Jack cheese and 1 cup Cheddar cheese.

Bake at 350°F for 20 to 30 minutes. Serve with nachos for dipping.