16 oz. can refried beans
1/2 pkg. (dried) taco seasoning
6 oz. can ripe olives, chopped
1 c. sour cream
1 c. avocado dip
2 lg. tomatoes, chopped
1 sm. onion, finely chopped
1 sm. can green chilies (optional)
1 1/2 c. Monterey Jack or Cheddar cheese, shredded

Mix taco seasoning and beans, then spread on tray or bottom of dish. Layer other ingredients as listed in order. Serve with Dorito or nacho chips.