|Source: Amy Dailey (1989)|
|Prep time: 3 1⁄3 hours|
Spread refried beans in dish. Mix together cream cheese, sour cream, lemon juice and mayonnaise. Mix well. Spread on top of refried beans. Sprinkle chili powder and taco seasoning on top. Top with shredded lettuce, chopped tomatoes, green onions, shredded cheese and black olives. Refrigerate several hours before serving. Use taco chips for dipping.