Step 1

In medium bowl, mix refried beans and taco seasoning mix and water.

Step 2

Spread mixture in an 8 x 8″ pan, deep dish pie plate, or medium size casserole dish.

Step 3

In another medium bowl, mix cream cheese and chiles.

Step 4

Carefully spread over bean mixture.

Step 5

Top with salsa, lettuce, cheese, olives, tomato and scallions.

Step 6

Refrigerate until serving time.

Step 7

Serve with tortilla chips.