2 (16 oz.) containers sour cream
2 env. taco seasoning
Chopped lettuce
Tomato
Black olives
Onion
Shredded Velveeta Mexican cheese
Shredded Monterey Jack cheese

BOTTOM LAYER: Mix sour cream and taco seasoning. Spread in 9x13 inch pan. Layer remaining ingredients. Refried beans and seasoned ground beef may be added. Serve with taco chips.