2 (16 oz.) cans refried beans
1 (1.25 oz.) pkg. taco seasoning mix
1 (6 oz.) carton avocado dip
1 (8 oz.) carton dairy sour cream
1 (4 1/2 oz.) can chopped ripe olives, well drained
2 lg. tomatoes, diced
1 sm. onion, finely chopped
1 (4 oz.) can chopped green chilies, well drained
1 1/2 c. grated Monterey Jack cheese
Tortilla chips for dipping

Combine beans and seasoning mix. Spread mixture into a 7x11 baking dish. Layer remaining ingredients in order listed. Cover and refrigerate up to 24 hours. Bring to room temperature to serve. Serve with tortilla chips.