Festive Bean Spread 
Makes 1 3-layer dish

1 can (16-ounce) refried beans
1/2 pint of your favorite salsa
1/2 teaspoon garlic powder
16 ounces sour cream (don't use lowfat)
1 package (1.25 ounce) dried taco seasoning
1 bunch green onions, coarsely chopped
2 medium ripe tomatoes, chopped
2 cups shredded cheddar cheese
1 cup shredded Monterey Jack cheese
                   
1. First layer: mix together beans, salsa, and garlic powder,
   and spread on large, flat serving dish as a thin layer,
   maybe 1/2" thick. 
2. Second layer: mix together sour cream and taco seasoning,
   and spread over bean layer. 
3. Third layer: sprinkle the cheese on first, then top with
   chopped tomatoes and green onions. 
4. Cover with plastic wrap, and chill for about an hour. Serve
   cold with tortilla chips.