16 oz. can refried beans
16 oz. can taco sauce
1 lb. ground beef
1 pkg. dry taco seasoning mix
1 chopped onion
1 lb. shredded sharp cheddar cheese
4 oz. can hot jalapeno relish
4 oz. sour cream
2 avocados

Brown ground beef with onion and taco seasoning mix. Layer in a 9"x13" dish: refried beans, taco sauce, ground beef mixture, shredded cheese, jalapeno relish, sour cream, black olives and avocados. Bake 30 minutes at 350 degrees. Serve with tortilla chips and cold beer.