1. Preheat oven to 350 degrees F.
2. Brown and drain the ground beef.
3. Spread the browned ground beef in the bottom of a deep baking dish (Pampered Chef 14" diameter 2" deep round "Deep Dish Baker" )
4. Spread the refried beans evenly over the ground beef.
5. Combine the cream cheese, sour cream, taco seasoning, and garlic in a mixing bowl, and mix well.
6. Spread the cream cheese misture evenly over the refried beans.
7. Sprinkle the shredded cheddar cheese evenly over the cream cheese mixture.
8. Bake 15-18 minutes or until hot.
9. Remove from oven and top with the sliced black olives and diced tomato.
10. Add additional dollops of sour cream as a topping (if desired).
11. Top with green onions and cilantro/parsley (if desired).
12. Serve with Tortilla Chips.