sarah cox's baked bean dip

my friend sarah made this for me once and i've never looked at another bean dip. it's just sooo good. i don't normally like sour cream in things, so i add a little less than the recipe calls for.

1 can of refried beans
3/4 cup sour cream
1 tsp. chili powder
1 tsp. lemon juice
1 cup grated cheddar cheese
mozzarella cheese
green onion
tomato

dice your onion & tomato and layer on the bottom of a 9x13 pan. mix the beans, sour cream, chili powder, lemon juice, and cheddar cheese together well, and spread on top of the tomatoes and onions. sprinkle with mozzarella and bake at 350* for 20 minutes. serve warm with tortilla chips.