Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      package       spreadable cream cheese -- (250 gram)
   1      can           refried beans -- (454 gram)
   1      jar           salsa -- (250 gram)
   1      cup           each.. grated cheddar and monterey jack
                        -- cheese
     1/4  cup           each.. chopped jalapeno peppers -- chopped black
                        -- olives (50 ml)

Preparation:

On a large dinner plate or platter, spread a thin layer of each ingredient in the order listed above. Serve with Nacho's or Tortilla Chip