In a large nonstick skillet, add ground beef, taco seasoning, and 3 TB water. Stir together to incorporate. Brown until cooked through. Remove from heat and set aside.In an 8x8 baking dish, layer cooked rice on the bottom of dish. In a microwavable bowl, combine refried beans and salsa. Microwave until hot, about 2 minutes. Stir and layer mixture over the rice.Layer browned beef mixture over the beans/salsa. Sprinkle half of the cheese over the beef, followed by all the chips (if using) and top with remaining cheese and black olives. Bake 10 minutes at 350F or just until cheese is melted.Garnish with green onions, avocados, or tomatoes. Serve warm.Note: This dish can be lightened up even more by using just 1 cup of low-fat cheese and omitting the corn chips.