1 can refried beans
3/4 lb. hamburger, crumble, cooked in skillet
8 oz. shredded cheddar cheese
Lettuce
Salsa, hot or mild
1 med. onion, chopped
8 oz. sour cream
1 can olives
2 med. tomatoes
Tortilla chips

Spread beans on bottom and sides of 9"x13" pan. Add in layers:

Hamburger

1/2 of cheese

Lettuce

Salsa

Sour cream

Olives

Tomatoes

Onion

Remainder of cheese

Bake at 375 degrees for 20 to 30 minutes until cheese is melted.