MIX; 1/2C.MAYONNAISE,1C.SOUR CREAM,1PKG.TACO SEASONING,SALT AND PEPPER TO TASTE,ON  BOTTOM-2 CANS OF REFRIED BEANS(PUT ON TOP OF BEANS AND MIXTURE)TOMATOES,ONIONS,BELLPEPPER,CHOPPED,BLACK OLIVES SLICED,GRATED CHEESE.SERVE WITH TORTILLA CHIPS.

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