1 (16 oz.) can refried beans
1/2 pkg. taco mix
1 (6 oz.) carton avocado dip
1 (8 oz.) carton sour cream
1 (4 1/2 oz.) can ripe olives, chopped
2 lg. tomatoes, chopped
1 sm. onion, chopped
1 (4 oz.) can green chilies, chopped
1 1/2 c. (6 oz.) monterey jack cheese

Combine beans and taco mix. Spread into a 9 x 13 baking dish. Layer the remaining ingredients in the order they are listed. Cover and chill overnight. Serve with nacho bites or taco chips.