Cook the ground beef with the taco seasoning until well done. Preheat the oven to (350°F ) = (176°C). Grease a casserole baking dish. The first layer will be the crushed tortilla chips. Spread them evenly in the baking dish. Top the tortilla chips with several small scoops of refried beans, the black beans, and spread as evenly as possible. Top with two cups of shredded cheese and spread evenly over the refried beans. Next, top with the cooked ground beef and the remaining two cups of cheese. Spread as evenly as possible. Now, add the sliced olives and chopped white or yellow onions. Bake uncovered for 30-40 minutes or until the cheese melts. After baking, remove the casserole from the oven and garnish with salsa, sour cream, lettuce, chopped tomatoes, green onions, and Cilantro.