Instructions: Heat refried beans till warm and spreadable. Spread in a 8 inch pie or cake pan. Mix sour cream and ranch dressing till combined. Spread this mixture over refried beans. Then you will need to put the cheese over this mixture till it is covered. Layer your tomato, onion and lettuce any way you like. Garnish with black olives. You can substitute any of the vegetables for anything you like or eliminate anything you do not like. We use nachos to dip into it.

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