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Layer in a large, flat glass dish, like a Pyrex:

2 cans refried beans; spread on the bottom
1 jar salsa
Avacado dip
Lots of grated cheddar cheese
Grated lettuce
Chopped tomatoes
Chopped onions
Chopped black olives; if desired

Serve with Tostitos round chips or tortilla chips. Dip through all layers with your chip. Almost a meal!