1 pkg. taco seasoning
1 can refried beans
1 (8 oz.) pkg. cheddar cheese
1 tomato, diced
1 c. sour cream
1 c. mayo or salad dressing
1 pkg. Doritos

Mix seasoning, sour cream and salad dressing in 9"x13" pan. Layer with beans, then taco mixture, cheddar cheese, tomatoes, olives if desired. Dip with chips.