1 (16 oz.) sour cream
1 pkg. taco seasoning mix
1 can refried beans
Scallions
Black olives
2 or 3 tomatoes
Lettuce
8 oz. cheddar cheese
1 or 2 bags nacho chips

Mix together sour cream and taco seasoning mix. Spread beans in bottom, then spread sour cream mixture. Layer with chopped scallions, olives, tomatoes, lettuce and cheese - in that order. Serve with nacho chips.