1 (16 oz.) can refried beans
1 pkg. taco seasoning
1 jar Marie's avocado Goddess dressing (in produce section) or 1 pkg. avocado
dip
1 sm. sour cream
1 (6 oz.) can black olives, diced
2 tomatoes, diced
1 med. onion, diced
1 (4 oz.) can chopped green chilies
1 (8 oz.) pkg. Monterey Jack (with jalapenos - optional), shredded

Mix beans with taco seasoning. Spread in bottom of serving pan. Layer other ingredients as listed.