1 (16 oz.) can refried beans
1/2 c. taco sauce
4 oz. shredded Cheddar cheese
8 oz. cream cheese
1/4 c. sour cream
3 tbsp. mayonnaise
1/4 tsp. garlic powder
1 lg. avocado
1/4 c. onion
1 tbsp. lemon juice
1 tomato, chopped
1/2 c. sliced ripe olives
Tortilla chips

Stir together refried beans and taco sauce. Spread bean mixture evenly in 9 x 13 inch dish. Combine cream cheese, sour cream, mayonnaise and garlic powder in separate bowl. Beat with mixer until smooth. Spread cream cheese mixture over beans.

Cut avocado into small pieces. In blender or food processor, blend avocado, onion and lemon juice. Spread avocado mixture over the cream cheese layer. Sprinkle Cheddar cheese, olives and tomato on top. Serve with tortilla chips.