1 (16 ounce) container sour cream
1 (1.25 ounce) package taco seasoning
1 1/2 (16 ounce) cans Refried Beans
1 (16 ounce) jar chunky salsa
2 cups lettuce, shredded
1 large tomato, chopped
2 avocados, diced
1/2 cup green onions, chopped
2 cups shredded cheese
1 (4 ounce) can sliced black olives

Mix sour cream and taco seasoning. Chill in fridge for 30 minutes.  In sauce pan, combine refried beans and salsa. Heat on medium until evenly blended. Let cool.
Shred lettuce. Dice tomatoes, avocadoes and green onions. Take cooled refried beans and salsa and spread in 11x13 inch pan. Spread sour cream/taco seasoning mixture over beans.
Layer the cheese, olives, lettuce, tomatoes, avocadoes and green onions in that order evenly over each ingredient. Serve with tortilla chips.