1 (16 oz.) can refried beans
1/2 carton avocado dip

8 oz. sour cream
1/2 c. Miracle Whip
1 pkg. taco seasoning mix

1 chopped tomato (lg.), chopped
2 bunches green onions
1 1/2 c. cheddar cheese, shredded
1 sm. can black olives, chopped

Layer ingredients as mentioned in order of recipe in a square or oblong pan approximately 9 x 9 inches or 6 x 10 inches. Chill for 1 hour. Then serve with chips.