Preheat oven to 350°F. In medium bowl combine ground beef, refried beans, onion, garlic, oregano and cumin until well mixed. In shallow baking dish pat half of mixture into 9x5-inch rectangle. Spread with 1/2 cup salsa. Sprinkle with crushed tortilla chips. On piece of wax paper, pat remaining meat mixture into 9x5-inch rectangle. Place on top of chips, lightly pressing together. Spread with 1/2 cup salsa.
Bake 50 minutes or until no pink remains (160°F). Spread top of loaf with sour cream; sprinkle with olives and cheese. Bake 8 to 10 minutes more or until cheese is melted.
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