1. In a mixing bowl combine sour cream or yogurt, chutney, lemon juice, onion powder, and garlic powder. Cover and chill for 1 to 2 hours before serving. If desired, garnish with toasted coconut. Serve as a dip with fruit, vegetables, melba toast rounds, or crackers. Makes about 1-1/4 cups dip (20, 1-tablespoon servings).