Instructions: Spread beans in bottom of 9" deep dish pie plate. Sprinkle some cheddar and jack cheese, about 4 oz.of each. Slice cream cheese thinly and lay out as a layer over beans and cheeses. Pour over 1 can of your favorite chili, or home made.Top with remaining cheeses. Microwave on High power 5 minutes or til bubbly and heated through. Serve with chips.

Toss in some green chile peppers and chopped fresh tomatoes under the chili layer if desired. (my kids are picky..LOL )

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