1 (16 oz.) can refried beans
3 or 4 avocados, sliced
1/2 c. mayonnaise
1/2 c. sour cream
1 pkg. taco seasoning
1 lb. Jack cheese, grated
Chopped green onions
3 med. tomatoes, diced
2 cans sliced black olives, drained

Mix together mayonnaise, sour cream, and taco seasoning (Ortega chilies, optional).

In 9x12 inch baking dish, arrange in layers the ingredients as listed. Chill. Serve with tortilla chips.