2 (8 oz.) pkg. fat-free cream cheese, softened
1 1/2 c. shredded lettuce
6 oz. (1 1/2 c.) shredded, reduced fat, Cheddar cheese
31 oz. can fat-free refried beans
1 (16 oz.) jar salsa

In medium bowl, stir cream cheese well and place it in the bottom of large platter. Spread beans over cream cheese. Add lettuce, then cheese; pour the salsa over it all. Serve with tortilla chips.