1 can refried beans
1/2 pkg. taco seasoning
8 oz. avocodo dip
8 oz. French onion dip
1 lg. tomatoes, chopped
1 onion, chopped
1 can black olives, sliced
Monterey Jack cheese, shredded

Mix refried beans with taco seasoning, spread in bottom of 9 x 13 pan. Layer remaining ingredients in order. Serve with tortilla chips.