Taco Layer Bean Dip
["2 (1 lb.) cans refried beans", "1 pkg. Ortega \"hot\" taco seasoning mix", "1 pkg. regular taco seasoning", "1 (8 oz.) jar Ortega medium salsa", "1 pt. sour half and half", "1 bunch green onions, chopped", "2 medium tomatoes, chopped", "ripe olives, chopped", "1 1/2 lb. Cheddar (medium to sharp) cheese, finely grated"]
["On a platter, mix beans and taco seasonings thoroughly and spread in an even layer.", "Spread each of the following layers evenly in order:", "sour half and half, salsa, shredded cheese, chopped tomatoes, green onions and ripe olives.", "Serve with chips."]
["beans", "taco", "regular taco", "salsa", "sour half and half", "green onions", "tomatoes", "olives", "Cheddar"]