Everyone enjoyed these at our Sunday night card party. I baked chips in oven for about 6-8 minutes, cooked meat with Taco seasoning as others did. I melted a 3 ounce brick of cream cheese with the beans for ease of spreading. Then topped everything with sour cream, guacamole, chopped Roma toms, minced green onions, and sliced black olives. Messy, but yummy! Thanks Charlie.
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