Two 8-ounce packages cream cheese, at room temperature
1 1/2 cups shredded Cheddar
3 tablespoons minced onions
2 tablespoons prepared salsa (your favorite kind will do)
2 teaspoons ground cumin
1 teaspoon minced jalapeno (without seeds, unless you want it spicy, then include the seeds)
12 Doritos, original flavor, crushed
1 nice-looking stem of a bell pepper (reserve the pepper for another use)
Black bean chips, crackers or crudite, for serving
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