2 cans refried beans
1 c. sour cream
1 pkg. taco mix
2 c. shredded lettuce
2 tomatoes
1 onion
Sliced black olives
1 pkg. tortilla chips
2 c. shredded Cheddar cheese

Mix together beans, sour cream and taco mix. Spread over cookie sheet. Sprinkle with lettuce, chopped tomato, chopped onions, cheese, and olives. Arrange tortilla chips around dip.