2 pkg. Philadelphia cream cheese
1 pkg. taco seasoning mix
Shredded lettuce
1 pkg. shredded cheddar cheese
4 tomatoes
1 onion
1 can sliced black olives
1 jar taco sauce; optional

Use a flat baking pan. Mix cream cheese and taco seasoning mix. Spread in bottom of pan. Shred lettuce and sprinkle over mixture. Spread shredded cheddar cheese on it. Put tomatoes, onions, and olives on. Put taco sauce on top (optional).

Serve on nacho chips.