I first made this bean dip for summer lunches, now it is a family favorite. I am posting the recipe as it came, but I personalize it for my family to like it. I don't put in the cilantro - it is not an ingredient that works in my house. I have never used the monterey jack cheese, although one of these days when I have it on hand, I will. I put in a scoop of Cheez Whiz instead. I don't have picante sauce in my pantry, so I substitute the tomatoes for salsa and put a squeeze of ketchup in. This dip is definitely a thumbs up. Check out the idea to turn it into a Halloween appetizer.