Ingredients

• 2 8 ounce packages of cream cheese -- softened
• 1 cup of sour cream
• 8 ounces of taco sauce or salsa
• 2 teaspoons ground cumin
• 15 ounces of refried beans
• 1 cup of shredded lettuce
• 1 cup of shredded Cheddar cheese
• 1 medium tomato -- diced
• 1/4 cup of ripe olives -- chopped
• 1/4 cup of canned green chilies -- chopped
• tortilla chips

Directions

1. In a mixing bowl, beat cream cheese and sour cream until smooth. Stir in taco sauce and cumin; set aside. Spread the refried beans over the bottom of a serving platter or 
2. 13x9x2″ dish. Spread cream cheese mixture over the beans, leaving about 1″ uncovered around the edges. Top with layers of lettuce, cheese, tomato, olives and chilies. Serve with tortilla chips.

Yield: 16-20 servings.