3 med. ripe avocados
2 tbsp. lemon juice
1/2 tsp. salt
1/4 tsp. pepper
1 c. sour cream
1/2 c. mayonnaise
1 (13-15 oz.) can refried beans
1 (3.5-4 oz.) can mild diced jalapeno peppers
1 lg. bunch chopped green onions
3 med. tomatoes, chopped
2 (3 1/2 oz.) sliced pitted ripe olives
1 (8 oz.) shredded sharp Cheddar
Tortilla chips

Mash avocados with lemon juice, salt and pepper. Combine mayonnaise and sour cream. Combine refried beans and jalapeno peppers.

To assemble: Spread bean and pepper mixture on large shallow plate. Top with avocado mixture. Layer with sour cream mixture. Sprinkle with chopped onions, tomatoes and olives. Cover with shredded cheese; serve chilled with chips.