I come to Ben's Hot Bagels EVERY time I am in AZ. The pumpernickel bagel, toasted with olive pimento cream cheese is my absolute favorite flavor combination. It makes my mouth water just writing this. This is an authentic NY style bagel establishment in Surprise, AZ. Surprise... who would've guessed!? I haven't been able to find anything comparable in San Francisco, to my dismay. Be aware, they are heavy on the cream cheese, which I adore. Enjoy!