1 can refried beans (may have chiles)
1 pkg. taco seasoning
1 carton jalapeno dip
1 carton sour cream
1 carton avocado dip
1 sm. can black olives, chopped
2 lg. tomatoes, chopped
1 sm. onion or scallion tops, chopped
Monterey Jack cheese, grated

Mix beans and taco seasoning. Layer from bottom of casserole dish as follows: beat mixture, jalapeno dip, sour cream, avocado dip, olives, tomatoes, onions and cheese. Use large tortilla chips for dipping.