Mexican Dip
["1 can refried beans", "1 lb. ground beef", "1 pkg. taco seasoning", "3/4 c. water", "6 oz. shredded sharp Cheddar cheese", "8 oz. shredded Monterey Jack cheese", "1 pt. sour cream", "sliced black olives, scallions, green chiles or whatever you want"]
["In bottom of 6 to 10-inch baking dish, spread refried beans. Brown ground beef and drain.", "Put in taco seasoning and water; cook until beef is almost dry."]
["beans", "ground beef", "taco seasoning", "water", "shredded sharp Cheddar cheese", "shredded Monterey Jack cheese", "sour cream", "black olives"]