Layer the following in a 9x13 sprayed pan.
1 large can of refried beans
2 pkgs cream cheese softened and mixed with 1/4 cup mayonaise
1 (12 oz.)jar mild picante sauce
1 cup grated mozerella cheese
1 c. grated cheddar cheese
chopped tomatoes fresh or canned
1 chopped green onion
1 small can sliced black olives
heat in 350 oven until cheese is melted.