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1 package taco seasoning mix
1 pound ground beef
3/4 cup water
1 can refried beans
1/2 cup grated Cheddar cheese
1 small can sliced ripe olives
1 medium tomato, chopped
1 large avocado, peeled and mashed
1/2 cup sour cream
1/2 cup chunky salsa
1/4 cup chopped green onion
Tortilla chips
Prepare taco seasoning mix with ground beef and water according to package directions. Add refried beans and heat for 5 minutes. In shallow 1 quart serving dish, spread beef and bean mixture. Layer the remaining ingredients in the order given above. Serve immediately with tortilla chips.