Like many others, I don't particularly like Ritz, but maybe I can help
with toppings.

Normally, I'll start with a par baked baguette from the store. At about
$1.00, it is cheaper than a box of Ritz, and has more volume. Cut into
slightly thinker than Ritz slices. Brush the bottom with olive oil.
Place on a cookie sheet or something equivalent. Preheat oven to 400 F.

Now for the toppings. Like many people said, cream cheese works. So
does cream havarti, mozzerella, edam, fontina, brie, and many other
kinds of cheese. Add some sliced olives on some. Add all kinds of meats
(salami, pepperoni, ham, turkey, roast beest, et al). I go for mix and
match, so don't put everything on all your toasts/crackers. Also,
tomatoes, onions, peppers, mushrooms, garlic, artichoke hearts, shrimp,
hummus, and maybe even hard boiled egg slices. You can leave some
undressed to use with cold dips and such if you like.

Now put the tray in the oven and cook for 10 to 15 minues. If you are
using cream cheese, the cream cheese should pick up a brown tint near
the edges. take out of oven and serve. Notice that all the prep can be
done ahead of time, and cooking only takes 10 or 15 minutes.

Dean G.