INGREDIENTS
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1 can (16 ounces) refried beans
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1 cup picante sauce
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1 cup (4 ounces) shredded Monterey Jack cheese
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1 cup (4 ounces) shredded cheddar cheese
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¾ cup sour cream
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1 package (3 ounces) cream cheese, softened
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1 tablespoon chili powder
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¼ teaspoon ground cumin (or more to taste)
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tortilla chips