1 lg. can refried beans
1 lg. container guacamole dip or 2 sm. frozen containers avocado dip

Mix:

1 pkg. taco seasoning
1 c. sour cream
1/2 c. salad dressing

3 1/2 oz. can pitted black olives, sliced
8 oz. shredded Cheddar cheese
1 bunch green onions, chopped
3 med. tomatoes, chopped

Layer the above ingredients in order listed in glass baking dish. Chill before serving with chips.