1 (16 oz.) can refried beans
1/2 (1.25 oz.) pkg. taco seasoning mix
1 (6 oz.) carton avocado dip
1 (8 oz.) carton sour cream
1 (4 1/2 oz.) can chopped black olive
2 lg. tomatoes
1 sm. onion, finely chopped (optional)
1 (4 oz.) can chopped green chilies
1 1/2 c. (6 oz.) shredded Monterey Jack cheese

Combine beans and seasoning mix. Spread evenly in 12 x 8 x 2 inch dish. Layer remaining ingredients in order. Serve with large tortilla or corn chips.