Instructions: Combine Neufchatel cheese and blue cheese, mixing until well blended. Add mayonnaise, milk, lemon juice and chives; mix well. Combine greens and carrots.

Combine ham and green peppers. In a 3 quart bowl, layer greens mixture, tomatoes and meat mixture. Spread cheese mixture over meat mixture to seal. Cover; chill several hours.

Makes 8 servings.

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