Layered Nacho Dip - cooking recipe

Ingredients
    2 cups refried beans (1 can) (optional)
    2 cups sour cream
    1 cup cream cheese
    2 cups salsa (mild, medium, or hot)
    2 cups grated cheddar cheese (Kraft Shredded Cheese for Nachos is great!)
    1 yellow pepper, chopped
    3 plum tomatoes, chopped
    6 green onions, chopped
    1/2 cup pickled jalapeno pepper, chopped (or more)
    1/2 cup black olives, chopped (optional)
Preparation
    Spread beans in a rectangular casserole dish (9x13-inch). You could use chili instead, as well.
    Mix sour cream and cream cheese together (use a hand mixer or immersion blender). Spread over beans or chili.
    Spread salsa over sour cream/cream cheese layer.
    Sprinkle cheese over salsa.
    Add peppers, tomatoes, and green onions in layers. Top with jalapeno peppers or olives, if using. You can also put these on the side, so your guests can choose to add them or not.
    Chill until serving time. Serve with Nacho Chips.

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