Taco Graveyard Dip

Ingredients

• 1 tablespoon vegetable oil
• 1 pound ground beef (80/20)
• One 1.25-ounce package taco seasoning mix or 3 tablespoons homemade taco seasoning
• Two 16-ounce cans refried beans
• 2 cups shredded sharp Cheddar
• 8 ounces cream cheese, at room temperature
• 4 ounces sour cream
• 1 1/2 cups mild salsa, store-bought or homemade
• Six 8- or 10-inch flour tortillas, any flavor
• 1/2 small head iceberg lettuce
• 1/2 cup fresh cilantro leaves, chopped
• 1/4 cup canned sliced black olives, chopped

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