Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      8 oz pkg      fat-free cream cheese -- softened
     1/2  cup           nonfat sour cream
     1/2  cup           taco sauce
   1      teaspoon      ground cumin
  15      ounces        fat-free refried beans
   1      cup           lettuce -- shredded
   1      cup           fat-free cheddar cheese -- shredded
   1      medium        tomato -- diced
     1/4  cup           ripe olives -- chopped
     1/4  cup           green chiles -- chopped
                        baked tortilla chips

Preparation:

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 13" X 9" X 2" 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. Serving Size: 1/4 cup.