1 lb. hamburger
1 can refried beans
1 sm. jar taco sauce

1 c. sour cream
1/2 c. mayonnaise
1 pkg. taco seasoning

1 ripe avocado, mashed
1/2 tsp. lemon juice
Dash of salt

Brown hamburger with onions, salt and pepper. Add refried beans and taco sauce. Spread in 9 x 13 pan. Mix sour cream, mayonnaise and taco seasoning spread within 1/2 inch of edge of 1st layer. Mash avocado, 1/2 teaspoon lemon juice and dash of salt. Spread within 1/2 inch of 2nd layer. Sprinkle grated cheese, sliced olives and onions. Refrigerate. Serve with nacho chips.