1 can refried beans (16 oz.)
1/2 pkg. taco seasoning mix (1.25 oz.)
1 carton avocado dip (6 oz.) or mashed fresh avocado
1 carton commercial sour cream (8 oz.)
1 can chopped black olives (4 1/2 oz.)
2 lg. tomatoes, diced
1 sm. onion, finely chopped
1 can chopped green chilies (4 oz.) optional
1 1/2 c. shredded Monterey Jack cheese

Combine beans and seasoning mix; spread bean mixture evenly in 12 x 8 x 2 inch dish. Layer remaining ingredients in order listed, topping it off with the shredded cheese. Serve with large corn chips or doritos. Variation: Add a layer of cooked ground beef after the bean mixture.