Ingredients:

• 1 can (16oz) refried beans
• 1 cup picante sauce
• 1 cup (4oz) Moterey Jack cheese, shredded
• 1 cup (4oz) sharp cheddar cheese, shredded
• 3/4 cup sour cream
• 1 pkg (3oz) cream cheese, softened
• 1 Tbsp chili powder
• 1/4 tsp ground cumin

Combine all ingredients in large bowl; transfer to 1 & 1/2 qt slow cooker.
Cover, cook on high for 2 hours, or until heated through.
Stir once or twice while cooking.

Opt: Add 1lb cooked & seasoned (w/chili powder & cumin) ground beef to the dip.