FIRST LAYER - BEAN DIP:

1 can refried beans
1 pkg. taco seasonings

Mix together.

SECOND LAYER - GUACAMOLE DIP:

3 ripe avocados, peeled & mashed
3 caps lemon juice
2 tbsp. mayonnaise

Mix together.

THIRD LAYER:

1 pt. sour cream
1/2 c. mayonnaise
1 pkg. taco seasonings

Mix together.

LAYER ON TOP - Layer in any order:

1 chopped onion
1 can sliced black olives
3 chopped tomatoes
2 pkg. shredded Cheddar

I put cheese or Mexican mixed cheese last and garnish with sliced olives.