Bottom layer: 2 cans of non-fat re-fried beans.  Stir in 2 tbs. of taco seasoning, 2 tbs. mayo (or miracle  whip), 2 tbs. salsa, and 1/4 cup sour cream.

Second layer: light sour cream

Third layer: salsa

Fourth layer: grated cheese (any you want)

Top with, diced tomatoes, sliced black olives, and chopped green onion.

Chill for about an hour; then devour with tortilla chips!!