LAYER 1: Spread one 16-ounce can refried beans in a 12x12 flat casserole dish or platter.

LAYER 2: Mix 8-ounce softened cream cheese with 1/4 cup Pace Picante sauce. Blend until smooth and spread over beans.

LAYER 3: Mash 2 avocados until smooth. Add 1 teaspoon lemon juice and 3 tablespoons Pace Picante sauce. Blend thoroughly and spread over Layer 2.

LAYER 4: Sprinkle 4 ounces grated cheddar cheese over avocado layer.

LAYER 5: Sprinkle one finely chopped tomato over cheese layer.

LAYER 6: Top with sliced black olives.