2 (8 oz.) softened cream cheese
1/4 c. sour cream
3 tbsp. mayonnaise or salad dressing
1/4 tsp. garlic powder
1 (16 oz.) can refried beans
1/2 c. salsa
2 lg. avocados
1/2 med. onion, chopped fine
1 tbsp. lemon juice

Line a flat dish with red lettuce leaves. Spread cream cheese mixture on; next spread refried bean mixture on, then spread the avocado mixture. Top with shredded lettuce, 1 1/2 cups shredded cheddar cheese and 2 medium chopped tomatoes, 1/2 cup chopped black olives and serve with chips.