1 (16 oz.) can refried beans
1 pt. sour cream
1 pkg. taco seasoning
1/2 c. shredded Cheddar cheese
chopped tomatoes (1/4 c. or as much as you like)
sliced black olives (1/4 c. or as much as you like)
tortilla chips

Spread refried beans in shallow glass dish. Mix sour cream and taco seasoning. Spread over beans and top with Cheddar cheese, chopped tomatoes and black olives. Serve with tortilla chips.