1 (16 oz.) can refried beans
1 c. sour cream
1 (1.0 oz.) pkg. Original Ranch salad dressing mix
1 c. diced tomatoes
1 c. diced green onions
1 (4 oz.) can diced green chilies, drained
1 lg. can sliced black olives, drained
1 c. shredded Cheddar cheese
1 c. shredded Jack cheese
1 chopped avocado (optional)

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