1 (15 oz.) can refried beans
4 oz. cream cheese
1 c. sour cream
1 pkg. taco seasoning
Taco sauce (mild or hot)
Chopped lettuce
Finely chopped tomatoes
Shredded cheese (cheddar preferred)
Chopped olives
Tortilla chips

Spread the beans on a large platter (about 10 x 13 inches). Mix together the cream cheese, sour cream and taco mix; spread this on the beans. Spread taco sauce over the top. Cover with chopped lettuce, then tomatoes, cheese and olives. Serve with round tortilla chips.