Layered taco dip
In medium bowl, blend taco seasoning & refried beans. Spread the mixture on to a large serving platter.
Mix sour cream & cream cheese. Spread over refried beans.
Top the layers with salsa. Place a layer of tomato, green pepper, green onions & lettuce over the salsa & top with cheese.
Garnish with black olives, chilies &/or jalapenos.