Mexican delight (Donna Christensen)

First Layer:
1 (16 oz) can refried beans, spread in a 9X13 pan

Second Layer:
8 oz sour cream
4 Tbsp mayonnaise
1/2 pkg taco mix

Mix together.

Third Layer:
2 large ripe avocados
onion salt to taste
garlic salt to taste
1 tsp lemon juice

Mash together

Fourth Layer:
grated cheddar cheese
1 large can slice black olives
1 large tomato diced

Serve with chips