1 (8 oz.) pkg. Philadelphia cream cheese
1 (15 oz.) can pinto beans
1 (15 oz.) can Wolf Brand chili
2 c. cheddar cheese, grated

In a microwave and/or oven dish spread cream cheese on bottom. Put pinto beans in a food processor and blend until smooth. Spread pinto beans over cream cheese. Open chili and spread over pinto beans. Sprinkle cheddar cheese over chili. Bake in 350 degree oven or in microwave oven until cheese has melted. Serve with tortilla chips.