2 (15 oz.) cans refried beans
2 chopped avocados
1/2 c. mayonnaise
1/2 c. sour cream
1/4 c. picante sauce
1 c. shredded Cheddar cheese
1 c. shredded Monterey Jack cheese
4 chopped green onions
1 (4 oz.) can sliced black olives

Layer beans, avocados, thin layer of mayonnaise and sour cream in 9x13 inch pan. top this with a layer of picante and the cheeses. Sprinkle onions and olives on top. Heat oven to 350 degrees and bake for 30 minutes. Serve with corn or tortilla chips.

OPTIONAL: I often do not bake this dip. I put together on serving dish.

OPTIONAL: Add 1 pound ground beef and serve in flour tortillas for a main dish.