Bruce's Bean Dip 1 (16 oz) Rosarita refried beans 1 cup shredded cheddar cheese 1 (8 oz) pkg cream cheese 1/2 cup milk 1 (1.5 oz) envelope onion soup mix 1/4 tsp cayenne pepper 1/8 tsp ground cumin seed In a 2 qt. saucepan, over low heat, combine beans, cheeses, milk, soup mix, pepper & cumin until well blended. Heat, stirring occasionally, until bubbly. Serve immediately with tortilla chips.