ayer in order (9 x 12 inch dish) :

32 oz. refried beans mixed with 1 or 2 (depending on taste) pkgs. dry taco mix
16 oz. sour cream (enough to cover the beans - may want more)
4 oz. chopped black olives
2-3 lg. chopped fresh tomatoes
1 lg. sweet onion, chopped
2 c. shredded cheese

Serve with taco chips.