1ST LAYER:

1 can refried beans

Add 1 can tomatoes and green chilies, 1/2 cup salsa. (Drain off juice on the tomatoes and green chilies.)

2ND LAYER:

Brown 1 pound ground beef, drain, add 1 package taco seasoning. Simmer and pour over bean layer.

3RD LAYER:

1 sm. carton sour cream
1 sm. carton French Onion Dip

4TH LAYER:

1 pkg. shredded Colby or Cheddar cheese

Slice black olives over top.