1 lb. hamburger, fry well done
1 can (16 oz.) refried beans
1 pkg. taco seasoning mix

Mix together first 3 ingredients.

1 (6 oz.) carton avocado dip
1 (8 oz.) carton sour cream

Mix in bowl.

1 (4 1/2 oz.) can ripe olives, chopped
2 lg. tomatoes, chopped
1 lg. onion, chopped
1 1/2 c. or 8 oz. shredded Monterey Jack cheese
Lettuce, chopped

Spread hamburger, refried beans and taco season mixture on the bottom of 12 x 8 x 2 inch dish. Layer remaining ingredients in order listed. Serve with nachos or crackers.