1 can refried beans
1 lb. ground beef
1 pkg. taco seasoning
2 tomatoes, cut up like for tacos
1 sm. onion, diced
1/2 head lettuce, shredded
1 jar picante sauce or taco sauce
1 pt. sour cream
1/2 can black olives
Shredded Cheddar cheese to taste
1 bag tortilla chips

Brown ground beef. Add taco seasoning and water as directed. In a pie plate, layer ingredients in following order: refried beans, meat mixture, picante sauce, lettuce, tomatoes, onions, cheese. Put sour cream on by teaspoon, then decorate around with black olives. Use tortilla chips to dip. Refrigerate until ready to use.