1 (12-16 oz) can refried beans
1 (8 oz) carton sour cream
1 (8 oz) carton avocado dip
1 cup or more cheddar cheese
1 (7 oz) can mild chili salsa
1 (5 oz) can sliced olives
1 lg tomato, diced

layer ingredients in order listed in a 9″x13″ pan or in 2 smaller serving dishes. cover with plastic wrap and refrigerate. serve with crackers or tortilla chips.

12-15 servings