Instructions: Season ground meat with salt and pepper, garlic powder, small amount of cumin and chili powder. Crumble and brown (use a non-stick pan with cooking spray to keep fat-free). Set aside. Heat canned refried beans with enough water to loosen it a little in saucepan. Add creme cheese and mix thoroughly. Season with garlic, cumin, chili powder, and salt and pepper to taste (or use taco seasoning mix). Set aside to cool a little.

To assemble: In shallow baking dish or pan (about 13" long), spread bean mixture on bottom of dish. Evenly distribute ground meat mixture on top of that. Add cheese, lettuce. Spread sour cream on top and sprinkle olives and pico de gallo on top of that. Serve with low-fat tortilla chips.

Pico De Gallo

4-5 Roma Tomatoes, diced
3/4 cup cilantro, chopped slightly
1 shallot, or small onion
1-2 jalapeno peppers, diced (to taste)

Juice of one lime
salt and pepper to taste

Mix ingredients together and let sit a while so that flavors can marinate.

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