Cook crumbles as directed on package. Add taco seasoning and 1/4 cup water. Cook for approx. 15 minutes. When finishe'd cooking meat mixture put in a casserole dish. Spread vegetarian refried beans over meat mixture. Top with grated vegan cheese, sliced black olives, sliced green onions, and tomatoes. Place in oven and cook at 350 for approx. 15 minutes or until cheese is melted and bubbly. Serve with tortilla chips and salsa. Also great topped with vegan sour cream.