Step #1 In a bowl mix HALF the package of taco seasoning mix with the refried beans until mixd, then spread in a 13 x 9-inch baking dish (or a long serving platter).
Step #2 In another bowl mix the remaining half of taco seasoning mix with the softened cream cheese & sour cream until well mixed; spread over the refried beans.
Step #3 Spread the drained salsa over the refried beans.
Step #4 Sprinkle top sliced tomatoes over the salsa then green onions & shredded lettuce.
Step #5 Top with shredded cheese, then sprinkle with green or black sliced olives.