32 oz Refried Beans
4    Ripe Avocados
2 tb Lemon Juice
1 c  Sour Cream
1/4 c  Mayonnaise
1 pk Taco Seasoning Mix
1 bn Green Onions -- sliced
2    To 3 Med. Tomatoes -- diced
8 oz Cheddar Cheese -- grated
OR-
8 oz Monterey Jack Cheese --
Grated

On a round plate, spread beans. Layer mashed avocados over beans and
sprinkle with lemon juice. Mix sour cream, mayonnaise, and taco seasoning
mix, then spread over avocados. Layer half of onions, all tomatoes, and all
the cheese on top. Sprinkle remaining half of onions on top..Serve with
tortilla chips.