1 bag or box Tostidos chips
1 can refried beans
1 can green chilies
1 can black olives
1 lg. (16 oz.) container sour cream
1 bag shredded Cheddar cheese
1 bag Monterey Jack cheese
1 (8 to 10 oz.) jar picante sauce
A few jalapenos (optional)

Cover the bottom of a jelly roll pan with Tostido chips. (Doesn't have to be just one layer, the chips can overlap and cover each other.) Drop spoonfuls of beans all over the top of chips. Sprinkle picante sauce over top of beans and chips.

Cut up green chilies and black olives and spread over sauce. Cover with sour cream. Top with shredded cheese and jalapenos, if desired. Bake at 350 degrees until warm and cheese is melted, 15 to 20 minutes.