1 large can refried beans
salsa or picante sauce
1/2 c. mayonnaise
1 c. sour cream
1 pkg. taco seasoning
1 can sliced black olives
shredded lettuce
chopped green onions (optional)
chopped tomatoes
shredded Monterey Jack cheese
shredded Cheddar cheese

Mix beans with 1/2 cup sour cream. Put them as the bottom layer in your bowl. Mix mayonnaise, sour cream and taco seasoning, then layer over the bean dip. Add a layer of lettuce, then tomatoes, onions and black olives. Add layer of salsa or picante sauce. Top with shredded Monterey Jack cheese. Serve with chips.