1 (16oz.) can refried beans
1 (16oz.) container sour cream
1 pkg. taco seasoning
2 c. shredded cheddar cheese
1 c. prepared guacamole
1 c. chopped tomato
½ c. sliced green onions
½ c. sliced black olives
tortilla chips

Spread refried beans in shallow serving dish. Spread guacamole over refried beans. Mix sour cream and seasoning mix until well blended and spread over guacamole. Top with cheese, tomato, onions, olives and serve with tortilla chips.