Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      16 oz can     refried beans
   1      cup           favorite picante sauce
   1      cup           shredded Monterey Jack cheese
   1      cup           shredded cheddar cheese
     3/4  cup           sour cream
   1      3 oz pkg      cream cheese -- softened
   1      tablespoon    chili powder
     1/4  teaspoon      ground cumin
                        tortilla chips and salsa

Preparation:

In a bowl, combine the first eight ingredients; transfer to a slow cooker. Cover and cook on HIGH for 2 hours or until heated through, stirring once or twice. Serve with tortilla chips and salsa.