1 (16 oz.) can refried beans
1 pkg. taco seasoning mix
1 (6 oz.) carton avocado dip
1 (8 oz.) carton sour cream
1 (4 1/2 oz.) can chopped ripe black olives
2 lg. tomatoes, diced
1 med. onion, finely chopped
3/4 of an 11 oz. jar jalapeno peppers, chopped
1 1/2 c. shredded Monterey Jack cheese

Combine beans and seasoning mix. Spread bean mixture into a 12"x8" dish. Layer remaining ingredients in order listed. Serve with chips.