1 lb. hamburger
2 pkg. taco seasoning
2 cans refried beans (10 1/2 oz. can)
1 jar chunky salsa, drained
1/2 c. mayonnaise
1 c. sour cream
1 c. guacamole dip, optional
1 can sliced, drained black olives
1 pkg. sharp cheese, shredded
1/2 c. chopped onions
1/2 c. chopped peppers

Mix 1/2 cup sour cream and 1/2 cup mayonnaise with 1 package taco seasoning mix. Brown hamburger according to directions on second taco seasoning package.

Spread beans on large platter then top with above mixture. Mix hamburger, salsa, onions, sliced black olives, shredded cheese, rest of sour cream and peppers; layer on top of dip and beans. Arrange 2 bags of tortilla chips around dip or in a basket. This dip will change its flavor with each bite.