1 (16 oz.) can refried beans
1/2 c. taco sauce
3/4 c. shredded cheese
1 (8 oz.) cream cheese, softened
1/4 c. sour cream
3 tbsp. mayonnaise
1/4 tsp. garlic powder
1 lg. avocado, peeled & seeded
1 med. onion, chopped
1/2 c. sliced olives
1/2 c. chopped green onions
Tortilla chips

In a small bowl, mix refried beans and taco sauce. Spread this mixture on a large serving platter, about 1/2" thick. Leave room around the edges of the platter for chips. In another bowl, mix cream cheese, sour cream and mayonnaise. Stir in garlic powder. Spread over bean mixture. Layer with shredded cheese and remaining ingredients. Serve with lots of chips. Serves six or more.