1 can refried beans
1 pkg. taco seasoning
1 small onion
1 8 oz. sour cream
picante sauce, to taste
lettuce, to taste
tomato, to taste
black olives, to taste
Cheddar cheese, to taste

Mix refried beans and taco seasoning together in a small bowl. Spread in a 9x13 inch pan. Then in following order add onion, sour cream, picante sauce, lettuce, tomatoes, black olives, and top with shredded cheese. Serve with tortilla chips.