1 lg. can refried beans
1 lb. hamburger seasoned with taco seasoning and browned
1 sm. can hot chiles (go light)
2-3 c. shredded cheddar cheese
3/4 c. taco sauce

Layer ingredients in 9x13-inch baking dish. Chill. (This can keep this way overnight.) Bake 25 minutes at 400 degrees. Remove from oven. Spread with 1/2 pint sour cream. Spread with guacamole dip. Sprinkle with 1 small can chopped olives.