16 oz. can refried beans
1 pkg. Hidden Valley Ranch recipe mix
2 1/4 oz. can sliced black olives, drained
3/4 c. Monterey Jack cheese
1 c. sour cream
1 c. diced tomatoes
4 oz. can diced green chilies, drained
3/4 c. shredded cheddar cheese
Chopped avocados, optional

Spread beans in a 10-inch platter. Blend sour cream and dressing mix, and spread over beans. Layer remaining ingredients and serve with tortilla chips.