Steps:
- Preheat oven to 400 degrees. Place ground beef and onions in a large deep skillet. Cook over medium heat until onions are soft and ground beef is evenly brown. Remove from heat. Drain beef and mix in salsa, refried beans, green chile peppers and black olives. Transfer mixture to a 9x13" baking dish. Layer with cream cheese slices. Top with Cheddar cheese. Bake in oven 10 to 15 minutes or until cheese is melted.
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