Cheesy Warm Bean Dip

Cheesy Warm Bean Dip was pinched from <a href="http://www.anediblemosaic.com/?p=14104" target="_blank">www.anediblemosaic.com.</a>
INGREDIENTS
1 (13.6 oz/385 g) container Pacific Foods Vegetarian Organic Refried Pinto Beans
4 oz (115 g) cream cheese, softened
1/2 cup (115 g) plain, low-fat yogurt
1/2 medium onion, finely diced
1/2 teaspoon cumin
1/2 teaspoon chili powder
1/2 teaspoon dried oregano
1/2 teaspoon granulated garlic powder
1/4 teaspoon salt
1/8 teaspoon black pepper
6 oz (170 g) sharp white cheddar cheese, shredded (or use a full 8 oz/225 g if you want!)
1 cup (150 g) cherry tomatoes, chopped
1/2 cup (60 g) pitted black olives, sliced
1 tablespoon chopped parsley leaves, for garnish (optional)
Tortilla chips, for serving
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