Directions

1. In a medium sized bowl, mix together the taco seasoning and the refried beans.
2. Spread the mixture into a 9x11 baking dish.
3. Add the sour cream and the cream cheese into the mixing bowl and mix well. Spread this mixture over the refried beans.
4. On top of this, add a layer of salsa, tomato, green pepper, green onions, and lettuce. Add cheddar cheese on top.
5. Lastly, garnish with black olives.