1 (16 oz.) tub sour cream
1 packet taco seasoning
1 sm. can refried beans
1 head lettuce
1 lg. tomato
1 (8-12 oz.) bag shredded Cheddar cheese

Combine first 3 ingredients. Chill; cut up lettuce and tomato. Lay on a pizza pan, spread dip over top and top with cheese. Dip with your favorite taco chip.