1 lg. can refried beans
1 lb. hamburger, browned with taco seasoning
1 can frozen guacamole (or homemade)
1 pt. sour cream
1 sm. jar salsa
1 c. shredded cheese (Jack or cheddar or both)
1 can sliced olives
1 bag tortilla chips

In a large casserole or 13"x9" pan, layer ingredients in order given. Serve with tortilla chips.