Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
  14       Ounces       Refried beans
   1 1/4   cup          Sour cream
     1/4   Teaspoon     Cumin -- ground
                        Hot pepper sauce
     1/3   cup          Onion -- finely chopped
   1       Tablespoon   Lime juice
     1/4   Teaspoon     Hot pepper flakes
     1/3   cup          Green onions
     1/2   cup          Olives -- black sliced
   2       medium       Tomatoes -- chopped
   2       cup          Cheddar -- shredded

Preparation:

In bowl, blend together beans, 1/4 cup of sour cream, cumin and hot pepper sauce. Spread evenly on try 12" in diameter and at least 1 1/2" deep. In bowl, mix remaining sour cream, chopped onion, lime juice and red pepper flakes; spread over refried bean layer. Garnish with concentric rings of green onions on outside, black olives, tomatoes and cheese in centre. Cover and refrigerate till serving time. Tortilla wedges may be used as dippers.