Preheat oven to 350°F.
Brown ground beef. Season with cumin, chili powder, garlic powder, and onion powder.
Spread refried beans evenly in 9 x 13 pan.
Top with ground beef, cheese, and green chile sauce.
Bake 350°F for 20 minutes, until center is hot.
Top with sour cream, olives, and green onions.
Serve with tortilla chips & hot sauce.