Festive Bean Spread

1 (16 ounce) can refried beans
1 cup salsa
1 teaspoon ground cumin
1/2 teaspoon garlic powder
1 pint sour cream
1 (1.25 ounce) package taco seasoning mix
1 bunch green onions, chopped
2 tomatoes, chopped
2 cups shredded Cheddar cheese
1 cup shredded Monterey Jack cheese

First (bottom) layer: mix together beans, salsa, cumin, and garlic powder, and spread on large, flat serving dish as a thin layer, maybe 1/2 inch thick.

Second (middle) layer: mix together sour cream and taco seasoning, and spread over bean layer.

Third (top) layer: sprinkle the cheese on first, then top with chopped tomatoes and green onions.

Cover with plastic wrap, and chill for about an hour. Serve cold with tortilla chips.

The two cheeses can be substituted with one 3-cup package shredded taco cheese.

From allrecipes.com