1 pkg. taco seasoning
1 can refried beans
1 lb. hamburger
Onions

Brown the hamburger and onion. Drain. Add to the beans and taco seasoning. Spread into a 9 x 13 inch pan. Mix:

1 c. sour cream
4 oz. cream cheese

Spread on top of the beans. Spread taco sauce over cream cheese. Top with lettuce, tomato and Cheddar cheese (black olives optional). Serve with large tostado chips.