Tex-Mex Dip And Tortilla Chips
["1 can traditional refried beans", "5 avocados, mashed", "1 tsp. lemon juice", "1/2 tsp. salt", "1/8 tsp. pepper", "1 c. sour cream", "1/2 c. mayonnaise", "1 envelope (original) taco seasoning", "3 fresh tomatoes, chopped and drained", "1 bunch green onions, chopped", "1 to 2 cans black olives, drained and chopped", "1/2 to 1 c. shredded Cheddar cheese"]
["In casserole dish, layer as follows:"]
["beans", "avocados", "lemon juice", "salt", "pepper", "sour cream", "mayonnaise", "taco", "tomatoes", "green onions", "black olives", "Cheddar cheese"]