1 can bean dip or small can refried beans
Mashed avocado mixed with 2 tsp. lemon juice (1 lg. or 2 sm.)

Mix with salt and pepper to taste.

2/3 c. sour cream
1/3 c. mayonnaise

Mix with 1 package taco seasoning mix.

Diced green onions
Diced black olives
Grated Cheddar cheese

Layer starting with beans and layer in order mentioned above. I use spicey refried beans and sharp Cheddar cheese. Also great with light sour cream and lo cal mayonnaise. All you need are tortilla chips and you're ready.