1 (15 oz.) can refried beans
3 ripe avocados
Salt, garlic and red pepper
1 (16 oz.) sour cream
1 pkg. taco seasoning mix
1 can green chilies
Ripe olives
4 green onions
1 c. shredded Monterey Jack cheese
1 c. shredded Cheddar cheese
2 med. tomatoes
Nacho chips

Spread refried beans on bottom of 10 x 10 inch pan. Peel, quarter and beat well avocados with mixer and add salt, garlic and red pepper to taste. Mix well and spread over beans.

Mix sour cream and taco seasonings well and spread over avocados. Dice and sprinkle chilies over sour cream. Dice 10 to 12 olives and sprinkle over chilies. Dice and sprinkle onions over olives. Sprinkle cheeses over onions.

Make and refrigerate night before. Dice tomatoes and sprinkle on top of cheese 1 to 2 hours before serving. Serve with nacho chips.