1 lb. ground beef 2 T. dried onions 1-2 t. chili powder 1/2 t. cumin 15 oz. can refried beans 8 oz. cream cheese 15 oz. can of olives, sliced 2 c. cheddar cheese, grated Salsa Tortilla or nacho chips

Brown ground beef, dried onions, chili powder and cumin. Stir in refried beans and mix well. Spread in 9" x 12" baking pan.

Layer with cream cheese (chunked), olives and cheddar cheese. Salsa can be added before or after baking.

Bake at 350 degrees for 20-30 minutes. Serve with tortilla or nacho chips.