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

1. In a medium bowl, blend the taco seasoning mix and refried beans.
2. Spread the mixture onto a large serving platter.
3. Mix the sour cream and cream cheese in a medium bowl.
4. Spread over the refried beans.
5. Top the layers with salsa.
6. Place a layer of tomato, green bell pepper, green onions and lettuce over the salsa, and top with Cheddar cheese.
7. Garnish with black olives.

Another big hit anytime I make it. Highly recommended! (originally from allrecipes.com)