Mexican Fiesta Dip
["1 (16 oz.) can refried beans", "1 can bean dip with jalapenos", "2 ripe avocados", "2 Tbsp. lemon juice", "1/2 tsp. salt", "1/4 tsp. pepper", "1 c. mayonnaise", "1 pkg. taco seasoning mix", "3 ripe tomatoes, peeled, chopped and drained", "1 green pepper", "1 bunch green onions (scallions)", "1 can black ripe seedless olives", "1 c. shredded sharp yellow Cheddar cheese", "1 c. shredded Monterey Jack cheese"]
["Use a 12-inch round platter."]
["beans", "bean dip with", "avocados", "lemon juice", "salt", "pepper", "mayonnaise", "taco seasoning mix", "tomatoes", "green pepper", "green onions", "black ripe seedless olives", "Cheddar cheese", "shredded Monterey Jack cheese"]