1 (1 oz.) pkg. taco seasoning            
1 (16 oz.) can refried beans
1 (8 oz.) pkg. cream cheese, softened
1 (16 oz.) container sour cream
1 (16 oz.) jar salsa
1 small head lettuce, shredded
1 large tomato, chopped
1 green bell pepper, chopped
1 bunch chopped green onions
1 (6 oz.) can sliced black olives
2 cups shredded Cheddar cheese

In a medium bowl, blend the taco seasoning mix and refried beans.  Spread the mixture onto a large serving platter.

Mix the sour cream and cream cheese in a medium bowl.  Spread over the refried beans.

Top the layers with salsa.  Place a layer of lettuce, tomato, green pepper and green onions over the salsa.  Top with cheddar cheese.  Garnish with black olives.

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