1 can refried beans, uncooked
Lite sour cream
Shredded cheddar cheese
Pace picante sauce (hotness your choice)
Olives, sliced
Green peppers, chopped (optional)
Onions, chopped (optional)
Taco chips

In glass rectangle baking dish layer in order the above ingredients ending with olives, pepper and onion. Cover and refrigerate overnight.

Dip out generously with taco chips.