1 1/2 lb. ground beef
1 can refried beans (lg.)
4 oz. can chopped chilies
1 c. shredded cheese
3/4 c. mild taco sauce

Brown meat; drain. Spread beans in bottom of long casserole dish. Top with meat, chilies, cheese, drizzle taco sauce. Bake at 400 degrees for 20 minutes. Top with:

1 pkg. avocado dip
1 c. sour cream

Combine together:

Chopped tomatoes
Chopped black olives

Serve with chips.