2 cans refried beans with jalapeno or use plain refried beans
2 pkgs. frozen guacamole dip
Minced onion (3/4 med. size)
1/2 c. sour cream
1/3 c. mayonnaise
1/2 pkg. taco seasoning mix

All blended together. Handful grated cheese, small can chopped black olives.

Spread each layer in order given in bowl or pan (the bean dip shouldn't be more than 3/4 inch thick). Top with cheese and then the olives. Serve with chips or tostitos.