Taco Dip II

1 pound ground beef

1 (16 ounce) can refried beans

½ cup hot taco sauce

1 tablespoon chili powder

1 teaspoon ground cumin

1 cup sour cream

¼ cup chopped onion

¼ cup chopped tomatoes

¼ cup black olives, sliced

¼ cup jalapeno pepper rings

1 ½ cups shredded Cheddar cheese

Preheat oven to 350 degrees F (175 degrees C).

In a large skillet, brown ground beef and drain. Add refried beans, spicy taco sauce, chili powder and cumin. Spread this mixture into a 9x13-inch baking dish. Spread sour cream over meat mixture. Layer onions, tomatoes, olives, and hot pepper cheese over the sour cream. Top with the cheese.

Bake at 350 degrees F (175 degrees C) for 30 minutes.