7-Layer Dip

8 oz. cream
12-16 oz. shredded cheddar cheese
1 can refried beans
1 can chili beans
1-2 cups salsa
1 small can sliced black olives
1 can diced green chilies
Chips

Preheat the oven to 350 degrees. Soften the cream cheese and then use it to cover the bottom of a 9 by 13 inch baking dish. Next spread the refried beans on top of the cream cheese. Then spread the chili beans, black olives, chilies and salsa to the dishing, spreading evenly. Finally top with cheese and put in the oven for 20 minutes. Cover with tinfoil for the first 15 minutes. Remove the tinfoil and leave in the oven until the cheese is melted. Remove from the oven and let sit for 5-10 minutes and enjoy.