1 can (16 oz) refried beans
1 can prepared bean dip (6 oz can)
1 small onion, peeled and chopped
2 Avocados, pitted, peeled and chopped
2 tbsp. lemon juice
1 c. sour cream
2 tbsp. mayonnaise
1 pkg. Taco Seasoning Mix (regular)
6 oz. Monterey Jack cheese, shredded
6 oz. cheddar cheese, shredded
1 can (2.25-oz) chopped black olives
2 Tomatoes, chopped
2 Green onions, chopped

In a 13x9 inch baking dish, layer refried beans, bean dip and onion. Sprinkle avocado with lemon juice and arrange on bean layer. Stir together sour cream and mayonnaise and carefully spread on avocados. Sprinkle taco seasoning mix, then Monterey Jack cheese, cheddar cheese and olives. Arrange tomatoes and green onion on top. Serve with tortilla chips.