Layer 1:  1 can refried beams and 1 package taco seasoning mixed together

Layer 2:  Avacado peeled and mashed combined with 8 oz sour cream

Layer 3:  1 can chopped chilies

Layer 4:  1 Small diced onion

Layer 5:  Chopped tomato

Layer 6:  4 ox Monterey Jack shredded cheese and

               4 oz shredded sharp cheddar cheese

Layer 7:  Sliced green and black olives

Serve with taco chips 

Recipe from LastMinuteCooking.com