You will need:

A large can of Refried beans
Large carton of Sour Cream
1 package of Lawry Taco Seasoning
Finely Shredded Lettuce
Grated Cheddar Cheese
1 small minced White Onion
Several diced Roma Tomatoes
1 can of chopped Black Olives

Spread the refried beans on a platter, then mix up the taco seasoning and sour cream and spread over the refried beans, next cover with lettuce, then the onions and cheese and then tomatoes and finally the black olives.  Serve with your favorite tortilla chips.