Taco Dip

2 cans refried beans
2 packages cream cheese
1 envelope taco seasoning
1 package shredded cheddar cheese
1 small can black olives
1 tomato2-3 green onions

In a 9x13 baking dish, layer refried beans, taco seasoning mixed with cream cheese, cheddar cheese and veggies. Bake at 400 degrees for about 15 minutes or until cheese is completely melted. Serve with tortilla chips.