1 (8 oz.) pkg. cream cheese
1 (8 z.) jar picante sauce (any strength)
1/2 head lettuce
4 oz. shredded cheddar cheese
4 oz. shredded beans (opt.)

Add to taste chopped or sliced green onions, black olives and tomatoes.

Spread cream cheese on a dinner plate. Then layer beans, picante sauce, lettuce, cheddar cheese, green onions, olives and tomatoes. Serve with taco chips.