Tim's Ghetto Fabulous Spicy Layered Bean Dip

1 (15 ounce) can refried beans
1 (15 ounce) can black beans, drained and rinsed
          Mix together and spread evenly in a deep, oven proof baking dish (Round cake pan, or deep dish pie plate works well.  Might want to spray it a little first.)

3/4 cup sour cream
1/2 package Taco seasoning (about 1 1/2  to 2 Tablespoons)
          Mix together and spread on top of the bean layer.

1 cup salsa (preferably a thick salsa with not a lot of juice)
1 (4 ounce) can diced jalapeno peppers, drained if necessary
          Mix these two together and spread on top of the sour cream layer.  Or you can mix the jalapenos into the bean layer and just put the salsa on top of the sour cream layer.

1 1/2 cups shredded Colby cheese
1/4 cup sliced black olives
          Sprinkle these on top of the dip.  I also like to add a little chopped green onion.

Bake 350 degrees for 15 minutes, covered.  Uncover and bake 15 minutes more.  Let sit a few minutes before serving with tortilla chips.  I like to sprinkle mine with some chopped cilantro, too.

TIM'S NOTES:  There are so many ways to make this spicy (or not).  The refried beans come in different levels of spicy.  The taco seasoning comes in various degrees of spicy.  The salsa spiciness can be determined.  If you don't want jalapenos, just use a can of mild green chiles instead.