8 c. tortilla chips
1 c. refried beans
2 c. shredded lettuce
2 sliced tomatoes
1 lg. can whole, drained olives
1 c. light grated cheddar cheese
1/2 c. low-cal Catalina dressing
1 c. cooked ground beef, optional
1 c. cooked chicken slices, optional

Heat beans (and meat, if used) in saucepan. Pour into large salad bowl. Add chips, cheese, olives, lettuce and tomato. Pour salad dressing over the top. Toss just before serving.

Regular pinto beans may be substituted for refried beans to save calories. Just put in food processor with onion salt to taste and blend.