1/2 green pepper chopped finely (or you can use canned, drained)

1 bunch green onions, chopped

1/2 bag shredded iceberg lettuce

1 can refried beans

2 cups shredded cheddar cheese

1/2 package Taco seasoning

8 ounces cream cheese, softened

1/2 cup sliced or chopped black olives

16 ounces sour cream (low or nonfat)

16 ounces salsa

1 bag of tortilla chips

1 tomato chopped (or you can use canned, drained)