1 (16 oz.) refried beans
1 c. sour cream
1 (1.0 oz.) ranch salad dressing
1 c. diced tomatoes
1 (4 oz.) can diced green chilies, drained
3/4 c. shredded Cheddar cheese
3/4 c. Jack cheese
Chopped avocado (optional)

Spread beans on 10 inch serving platter. Blend sour cream and salad dressing mix; spread over beans. Layer remaining ingredients. Serve with tortilla chips. Makes 8 to 10 servings.