1 can refried beans
1 (8 oz.) avocado dip
1 (8 oz.) sour cream
1/2 pkg. taco seasoning
3 green onions, chopped
1 sm. can chopped black olives; optional
1 (8 oz.) cheese, grated

Mix sour cream and taco seasoning and chopped onions. Layer ingredients as listed. Cover with grated cheese. Serve with Tostitos.