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In a small bowl, whisk together the mayo, sour cream and vinegar until smooth. Stir in the fresh herbs, salt, pepper, onion and garlic powders. Adjust seasoning to taste.
Rub each piece of toast with the flat side of the cut garlic. Top the toast with a big spoonful of the ranch dressing and a few slices of tomato. Sprinkle with salt and pepper and serve.