1 lg. can refried beans
1/2 lb. hamburger
1 lg. onion
1/2 lb. cherizo
1 lg. can mild chili pepper
2 c. Monterey Jack cheese
2 c. med. cheddar cheese
2 c. mild salsa
1 lg. sour cream
3 avocados
Ripe olives
Taco chips

Brown hamburger, onion and cherizo. Drain grease. Cover casserole dish well with refried beans. Spread meat mixture over beans. Spread chili peppers over meat mixture. Spread cheese over peppers. Spread salsa over cheese. Bake 30 minutes at 350 degrees.

Before Serving: Make ring of sour cream in center of casserole. Fill with mashed avocado and top with ripe olives. Line side of pan with taco chips (stand chips on edge around sides of dish).