1 (8 oz.) cream cheese
1 can refried beans
8 oz. sour cream
Taco sauce or salsa
Sm. can sliced olives
Grated Cheddar cheese

Layer ingredients in order listed (beginning with cream cheese) in a 9x9 inch square pan.

May be served cold or heated in a microwave or 350 degree oven until cheese is melted and layers warmed through. Serve with tortilla chips and enjoy!