3 (16 oz.) cans refried beans
3 med. avocados
1 lg. bunch onions & tops
3 med. tomatoes
2 (16 oz.) cans ripe olives
1 (8 oz.) pkg. Cheddar cheese
1 c. sour cream
1/2 c. mayonnaise or salad dressing
2 tbsp. lemon juice
1/2 tsp. salt
1/2 pepper
1 pkg. taco seasoning

Heat the beans and stir in 1/4 cup of water. Peel the avocados and mash completely in small bowl. Add the lemon juice and stir well. In a second bowl, mix the sour cream, mayonnaise, taco seasoning, salt and pepper. Dice up the tomatoes, olives, onions and tops; mix. The dish is now ready to layer. Take the beans and cover the bottom of a 9 x 13 inch pan. Spread the avocado mixture. Spread the sour cream. Sprinkle with olives, tomatoes and onions. Top with cheese, grated. Bake at 450 degrees. Heat until cheese melts. Serve with tortilla chips.