You can use whatever toppings you prefer. The great thing about this dip is that guests can spoon whatever section(s) they prefer onto their plates based on what they like or don't like.
1 can refried beans
1/2 pound ground beef
1 package taco seasoning
10 - 12 ounces sour cream
Toppings of your choice (lettuce, shredded cheese, black olives, tomatoes, red onions, green onions)
Brown off the ground beef in a medium skillet. Drain. Add package of taco seasoning and the water called for on the packet. Cook as directed on packet. Add in the refried beans and combine. Remove from stove top.
Next, spread bean mixture onto large serving tray or platter. Allow to cool.
Then, spread a layer of sour cream (about 10 - 12 oz.) onto bean mixture, leaving a small edge of beans viewable all the way around.
Decide what toppings you'd like to use - shredded lettuce, shredded cheese, sliced black olives, some form of red, white or green onion finely chopped and seeded, diced tomato.
Then, simply start piling each topping in its own ring ... reserving the diced tomato for the center (or the "bull's-eye").
Serve with a big bag of tortilla or corn chips.
NOTE: This can be left meatless. Just mix the refried beans over medium heat in a pan with the taco seasoning and about a 1/2 cup of water. Cook for a few minutes while stirring, then proceed with recipe.
04-13-14: Updated photos.