1 can (16 ounce) refried beans
1 pkg (8 ounce) cream cheese , softened
1 cup sour cream
2 tablespoons taco seasoning mix
2 garlic cloves, finely minced
1/2 cup shredded cheddar cheese
1/2 cup sliced olives
1 med tomato , diced
1/4 cup chopped green onions
tortilla chips

Preheat oven to 350. Spread refried beans over bottom of baking dish. Combine cream cheese, sour cream , taco seasoning and minced garlic. Spread evenly over refried bean and heat for 15-18 min. Remove from oven and sprinkle with toppings. Serve with chips.