Special Bean Dip

1st layer
mix
1 can refried beans (large)
1/4 cup chopped onion
1/4 cup salsa
(Spread on bottom of 9 x 11 pan)
2nd layer
mix
3 medium avocado's (or use prepared guacamole)
1/2 teaspoon salt
1/4 teaspoon pepper
2 tablespoon lemon juice (keeps avocado's from turning brown)
3rd layer
mix
1 large carton sour cream
1/2 cup mayonnaise
1/4 package taco seasoning mix

Cover with 1 small can diced olives, 2 diced tomatoes, 1 cup grated cheese