Four Layer Mexican Dip*

This delicious layered dip combines refried beans (vegetarian), cream cheese, salsa and shredded monterrey jack/cheddar/mozz cheese.  Great for game watching or any gathering. Serve warm or warm it and serve cold with tortilla chips.  Prep & Cook Time Instructions Ingredients/Nutritional Info Hands on time: 0 minutesCooking time: Oven: 20 minutes   If frozen, thaw completely in refrigerator. Preheat oven to 400F. Bake uncovered in preheated oven until top is puffy and heated through, about 15-20 minutes. Serve with tortilla chips for dipping.   Ingredients: refried beans, cream cheese, salsa, Mexican cheese.