1 can refried beans
2 avocados, mashed with 2 tbsp. lemon juice
1/2 c. sour cream with 1 pkg. taco mix blended
1 lg. tomato, diced
3 green onions, chopped
1 can sliced black olives, drained
1/2 lb. Cheddar cheese, grated
1/2 lb. Monterey Jack cheese, grated
8 oz. jar hot sauce

Starting with item #1, layer all ingredients in a pan. Serve with Tostito chips (tastes best at room temperature). Refrigerate leftovers, keeps for up to 3 days.