Mexican Dip
["1 can Old El Paso refried beans", "1 bunch scallions, sliced", "1 1/2 (8 oz.) pkg. cream cheese (softened in microwave; easier to spread)", "1 (6 oz.) can ripe black olives (in water), sliced", "1 large jar salsa (thick and chunky)", "1/4 lb. Cheddar cheese, shredded"]
["In a 9 x 13-inch pan layer the 6 ingredients in the order given above. Bake 20 minutes in a 350\u00b0 oven. Serve with tortilla chips."]
["beans", "scallions", "cream cheese", "black olives", "salsa", "Cheddar cheese"]