Mix together:

1 pkg. Philadelphia Cream Cheese
1 carton sour cream (med)
1 big cup mayonnaise

Blend thoroughly and spread in a 10 – 12 in. glass pie plate or equivalent……whatever is handy and works.

Layer on top:

Refried beans
Salsa
Grated cheese
Jalapeno peppers/ chilies,etc.
Diced fresh tomatoes
Grated cheese
Diced green onions
Sliced black olives

Mix the layers however you prefer or use your own favourites.

Refrigerate for a few hours….overnight is best and dig in! Use nachos, crackers, chips….whatever. Easily doubled or more……Bronc Riders love this and they can even make it themselves.