2-16-OZ. CANS REFRIED BEANS, 1/4 TSP. GARLIC POWDER, 1/2 LARGE WHITE ONION, FINELY CHOPPED, 1-16-OZ.JAR CHUNKY MEDIUM SALSA, 1-6-OZ. CAN PITTED BLACK OLIVES, SLICED, 2-16-OZ. CONTAINERS SOUR CREAM, 12OZ. SHARP WHITE CHEDDAR CHEESE, GRATED. MIX REFRIED BEANS , GARLIC POWDER, AND CHOPPED ONION, SPREAD IN THE BOTTOM OF A 9X13 GLASS BAKING DISH, SPREAD SALSA ON TOP OF BEAN MIXTURE. ADD LAYER OF SLICED BLACK OLIVES, RESERVING SOME FOR GARNISH.  SPREAD SOUR CREAM ON TOP OF OLIVES; TOP WITH GRATED CHEESE. GARNISH WITH RESERVED OLIVES. CHILL. SERV WITH TORTILLA CHIPS.