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1
Combine ingredients for pico de gallo in a medium sized mixing bowl and mix well.
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2
Place pico de gallo in refrigerator (it is best if you can leave the pico in the fridge over night to marinade, but not necessary).
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3
Preheat oven to 350 degrees.
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4
Take a medium-sized casserole dish and dump both cans of refried beans into the pan.
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5
Spread the beans out flat in the pan until there are no air pockets (or close to none) and so that the beans create a flat surface.
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6
Take your bag of Mexican shredded cheese, and dump the contents of the bag onto the beans.
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7
Spread the cheese so that it makes an even layer of cheese on top of the beans.
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8
Place the beans and cheese combination into the oven for 10 minutes or until cheese is just melted.
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9
After cheese has melted, remove dish from the oven and allow it to cool.
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10
Once the dish is cool, dump all of the contents of the tub of sour cream onto the cheese.
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11
With a spoon, spread the sour cream all over the cheese until it makes a flat, even layer.
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12
Take pico de gallo out of the fridge and dump it on top of the sour cream.
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13
Spread pico de gallo over the sour cream until it makes a flat, even layer.
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14
Dump the shredded lettuce on top of the pico de gallo.
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15
Spread the lettuce over the pico de gallo until it makes a flat, even layer.
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16
Top the lettuce with the slices of black olives.
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17
Serve with tortilla chips.