Lulu's Mexican Dip

                                                                   
Lulu's Mexican Dip
(Given to her by Robyn)

1- 8 ounce pkg cream cheese
8 ounces sour cream
1 can refried beans
1 jar mild taco sauce
2 cups shredded Cheddar cheese

In 9" x 5" casserole dish, layer ingredients in order given. Bake at 350 degrees for 15 minutes. You can layer any vegetables you want on top. Serve with tortilla chips.