Ingredients:
1 16-oz. can fat-free refried beans
1 lb. ground beef
1 pkg. taco seasoning
1 c. fat-free sour cream
1 to 2 c. shredded cheddar cheese
1/2 c chopped salad olives (optional)

Directions:
In skillet, brown ground beef; drain off fat.  Add taco seasoning ans 1 cup water to ground beef; heat until boiling.  Reduce heat to low and simmer for 10 minutes.  Menwhile, spread refried beans in bottom of a 13x9x2-inch pan.  (If you want to heat dip in a microwave, be sure to use a microwavable dish.)  Spread taco meat on top of refried beans.  When it has cooled slightly, spread sour cream on top of meat.  If desired, sprinkle on olives.  Top with 1-2