1/2 c. real mayonnaise
1 c. sour cream
1 can chopped chillies
1 (16 oz.) can refried beans
1 pkg. taco seasoning mix
1 lb. ground beef
2 chopped avocados
1 chopped onion
1 can chopped black olives
8 oz. shredded cheddar cheese
Tomato slices or wedges
Shredded lettuce
Nacho chips

Brown ground beef, drain and add taco seasoning per package instructions. Mix chilies and beans and spread into the bottom of your serving dish. Spread beef over bean layer. Mix sour cream and mayonnaise for layer 3. Then layer: avocado, onions, olives, cheese, tomato, and lettuce. Chill and serve with nacho chips (to be used as shovels).