Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
  16      ounces        refried beans
   1      1 1/4 ounce   taco seasoning mix
   4      ounces        chopped green chilies
   2 1/3  ounces        chopped black olives
   1      small         onion -- chopped
  10      ounces        shredded cheddar cheese
   1      large --      ripe avocado,
                        -- mashed
   2                    chopped tomatoes
   2      packages      taco chips

Preparation:

Mix refried beans with taco seasoning mix. Spread on large plate [pie plate works well - P.L.], then layer remaining ingredients. Serve with taco chips. This can be served cold or heated through to melt cheese. Either way, don't count on any leftovers