1 c  Brown sugar -- packed
1 1/2 c  Water
2 tb Margarine
1 ts Ground cinnamon
1 ts Orange peel -- grated
5 c  French bread slices --
Toasted and cubed
1/2 c  Almonds -- blanched
1/2 c  Raisins
1    Tart apples -- chopped
1 c  Shredded Cheddar cheese

Use Monterey Jack cheese if you prefer. Heat brown sugar, water, margarine,
cinnamon and orange peel to boiling; reduce heat. Simmer, uncovered, for 5
minutes. Layer half the bread cubes, almonds, (or walnuts) raisins,
apple and cheese into ungreased 1 1/2-quart casserole; repeat. Pour hot
syrup over top. Bake uncovered in 350 degree oven until syrup is absorbed,
30-40 minutes.