1 or 2 cans refried beans
1 sm. can chopped green chilies
1/4 -1/3 c. salsa
1-2 c. grated cheddar
Restaurant chips

Spray electric fry pan with Pam. Spread beans out on bottom. On very low heat, heat and stir beans until warm. Add chilies, salsa and chopped onion, if you wish. Add cheese. Heat until cheese melts. Dip with chips. This is really good stuff.