8 oz. cream cheese, softened
8 oz. sour cream
16 oz. refried beans
10-20 drops Tabasco sauce
1/2 pkg. dry taco seasoning
4 oz. taco cheese (1/2 Cheddar and 1/2 Mozzarella)

Mix all ingredients well. Sprinkle top with taco cheese. Bake at 350 degrees for 20 minutes. Do not over bake. May freeze.