1 16 Oz can refried beans	1 Cup salsa
1 Can Green Chilies	1 Cup Shredded Cheddar Cheese
1 8 Oz Pkg Cream Cheese	1/2 Cup chopped green onions
1 Cup Sour Cream	2 Tbsp Sliced Black Olives
1 Pkg Taco Seasoning	1 Tomato diced
1 Cup prepared guacamole (optional)

Mix green chilies and refried beans, spread on bottom of 13x9 pan. Mix cream cheese, sour cream and seasoning mix. Spread on bean layer . Layer guacamole, salsa, cheese, onions and olives over cream cheese mixture. Refrigerate if needed. Serve with tortilla chips.