Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      15 oz can     fat-free refried beans
   1      16 oz tub     fat-free sour cream
   1      16 oz can     salsa
     1/2  cup           chopped tomato
     1/2  cup           chopped onion
     1/2  cup           chopped black olives
     1/2  cup           chopped green bell pepper
   8      ounces        shredded low-fat cheddar cheese

Preparation:

In 9X13 pan, spread refried beans. Spread the sour cream over the bean layer. Top the sour cream layer with the salsa. Sprinkle the salsa with the chopped vegetables and top with black olives and cheese. This makes a great dip at a party (I usually make it for 8 people or so). You can use the baked tortilla chips or toast some real tortillas in the oven and break apart.