2 (16 oz.) cans refried beans
3 c. Cheddar cheese, shredded
2 c. Jack cheese, shredded
1/2 tsp. garlic powder
1/2 tsp. salt
1 (16 oz.) jar salsa
1 (4 oz.) can diced chilies
1/2 c. green onion
1 (4.5 oz.) can chopped olives

Heat beans and cheese. Add remaining ingredients and mix thoroughly. Serve with tortilla chips.