1 can refried beans
1 pkg. dried taco seasoning mix
1 medium chopped onion
1 small can chopped green chilies
1 small can diced black olives
1 layer chopped tomatoes
1 container sour cream
1 pkg. shredded taco cheese
jalapeno peppers and guacamole dip (optional)

In 9 x 13 dish, layer ingredients as listed, starting with the refried beans as the bottom layer. Chill and serve with tortilla chips.