1. Preheat oven to 350 degrees. Spread refried beans over bottom of a deep casserole dish (or reasonable substitute). Combine cream cheese, sour cream, and taco seasoning with minced garlic in a bowl. Mix well.
2. Spread cream cheese mixture evenly over beans. Spread shredded cheese over top. Bake 15 - 18 minutes or until hot.
3. Sprinkle olives, tomato, onions, and cilantro over dip. Add more sour cream if you like. Serve (warm) with tortilla chips.
Yield: 16 servings
As usual, I suggest adjusting the recipe for your own tastes and preferences. Try it. You'll like it.