2 (16 oz) cans refried beans
1/4 tsp garlic powder
1/2 lg white onion, finely chopped
1 (16 oz) jar chunky medium salsa
1 (6 oz) can pitted black olives, sliced
2 (16 oz) containers sour cream
12 oz sharp white cheddar cheese, grated

mix refried beans, garlic powder, and chopped onion; spread in the bottom of a 9″x13″ glass baking dish. spread salsa on top of the bean mixture. add a layer of sliced black olives, reserving some for garnish. spread sour cream on top of olives; top with grated cheese. garnish with reserved olive slices.

refrigerate. serve with tortilla chips.