Oven at 350° Spread refried beans in bottom of pan and place in oven while preparing everything else. Fry out hamburger. Drain fat. Add to fried hamburger: onions, chilis, olives and taco sauce. Bring to boil and simmer for 10 minutes. Take refried beans out of oven and pour hamburger mix over beans. Do not stir…just kinda spread it like a layer. Top with cheese. Place back in oven until bubbly from mixture. Remove and add a layer of crushed Doritos to top. Again, do not stir. Bake 10 more minutes. Remove from oven and cover with fresh tomato chunks just before serving.