1 tablespoon flour
1 tablespoon butter
2 cups heavy cream
1 cup Monterey jack cheese, shredded
3 ounces sharp cheddar cheese, shredded
1/4 to 1 habanero (depending on how hot you want it!), diced
1 plum tomato, diced
1 teaspoon Worcestershire sauce

Melt butter over low heat.  Add habanero, cook for 2 minutes.  Stir in flour and cook for a couple minutes until golden (not browned).  Stir in cream and cook 3-5 minutes stirring frequently until thicker.  Don’t boil!  Stir in cheese.  Add tomato, worchestershire and salt to taste.  Serve with torilla chips.  Enjoy!