1 (16 oz.) can refried beans
1 c. sour cream
1 pkg. taco seasoning mix
1 c. mayonnaise
2 c. avocado dip
2 tomatoes, chopped
1 small can sliced black olives
1 (8 oz.) pkg. shredded Monterey Jack cheese
1/4 c. sliced green onions
sliced hot peppers (for topping; optional)
1 bag favorite tortilla chips

First Layer: Spread refried beans on a large platter.

Second Layer: Mix together sour cream, taco mix and mayonnaise. Spread evenly over refried beans.

Third Layer: Spread avocado dip on layer 2.

Fourth Layer: Spread Monterey Jack cheese evenly.

Fifth Layer: Add chopped tomatoes.

Sixth Layer: Add black olives. Top with green onions and hot peppers. Serve with tortilla chips.