INGREDIENTS
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8 oz package cream cheese, softened
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16 oz container sour cream (let sit out to come slightly to room temp)
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2 can(s) 16 oz each vegetarian fat-free refried beans
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1/2 pkg taco seasoning (you can use the whole package if you prefer)
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2 c shredded cheddar cheese
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2 c shredded pepper jack cheese
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