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

8 oz. sour cream
1/2 c. Miracle Whip
1 pkg. taco seasoning mix
2 chopped tomatoes
2 bunches green onions, chopped
1 c. cheddar cheese
Sm. jar black olives, chopped

Take a 9 x 13 inch Pyrex dish and make layers of beans, avocado dip, mixture, tomato, green onions, cheddar cheese, black olives. Chill and serve with tortilla chips.