Step 1

Heat oven to 350°F. Spray 10-inch ovenproof skillet with cooking spray. Place whipping cream in skillet; heat just to simmering over medium heat. Remove from heat, and add cream cheese; let stand 2 minutes. Beat with whisk until smooth.

Step 2

In small bowl, mix refried beans and taco seasoning mix; spoon over cream cheese mixture (do not spread). Top with ripe olives, followed by cheddar cheese.

Step 3

Bake 23 to 27 minutes or until cheese is melted and dip is heated through.

Step 4

Top with avocado, tomato, onions and jalapeños. Serve with chips.