IN A SHALLOW OVENPROOF DISH, LAYER THE FOLLOWING IN ORDER;1 LG. CAN PLAIN REFRIED BEANS,1-1/2-LBS.GROUND BEEF,FRIED,WELL-DRAINED,1/3C. OR MORE TACO SAUCE,1/3 TO 1/2C.GREEN ONIONS,CHOPPED FINE, 1 CAN GREEN CHILIES,8-OZ.SHREDDED MOZZARELLA CHEESE,1-1/2C.SHREDDED CHEDDAR CHEESE, BAKE IN OVEN AT 350 FOR 20 MINS. TILL HOT THROUGH,REMOVE FROM OVEN AND SPREAD TOP WITH LARGE PKG. SOUR CREAM,AVOCADO MIXED WITH MAYONNAISE(OR AVOCADO DIP) SPRINKLE WITH GREEN ONIONS AND CHOPPED OLIVES. DIP WITH PLAIN TOSTITOS OR DORITOS CHIPS.