Taco Dip

1 16-oz. can refried beans
8 ounces sour cream
1 pkg taco seasoning mix
3 medium avocados
16 oz. mild cheddar cheese, grated
10-oz. jar mild taco sauce
3 oz can chopped green chilies
1/2 cup black olives, chopped
1/2 cup scallions, chopped
1 - 1 1/2 cup tomatoes, chopped
1 small onion, chopped
1 teaspoon chili powder
1 teaspoon garlic powder
1 teaspoon black pepper

Mix beans with sour cream and taco seasoning. Spread bean mixture evenly on the bottom of a baking dish or casserole.
Mash avocados with chili powder, onion, pepper and garlic. Spread avocado mixture over the beans.
Mix together the taco sauce, cheese, green chilies, olives, scallions, and tomatoes. Spread over the avocado layer.

Serve with tortilla chips