1 (8 oz.) soft cream cheese
1 (8 oz.) real sour cream
1 can vegetarian refried beans
1 lb. pkg. of cheddar cheese, shredded, reserve 1 cup for topping
2 chili seasoning

Mix all ingredients together. Cook in Pyrex dish on 275 degrees until bubbly, 30 minutes or more. Put cheddar cheese, reserved on top.