Warm layered bean dip, great for parties when served right out of the oven with tortilla chips. You can alter it to include the veggies that you prefer. It is also easy to make mild, medium or hot. My mom started making this when I was a kid and I requested it whenever there was a reason for a potluck! NOTE: I like to bake all of my vegetables so that they get melted into the cheese but others prefer to bake after the cheese layer and add the veggies after baking.