Layered Taco Spread - cooking recipe

Ingredients
    1 (16 oz.) can refried beans
    1/2 c. taco sauce
    3/4 c. shredded sharp Cheddar cheese
    1 (8 oz.) pkg. cream cheese, softened
    1/4 c. dairy sour cream
    3 Tbsp. mayonnaise
    1/4 tsp. garlic powder
    1 large avocado, seeded and peeled
    1 medium onion, cut up
    1 Tbsp. lemon juice
    1 tomato, seeded and chopped
    1/2 c. sliced pitted ripe olives
    1/2 c. sliced green onions
    tortilla chips
Preparation
    In a 3-cup bowl, stir together the refried beans, taco sauce and several dashes of bottled hot pepper sauce, if desired.
    Spread the refried bean mixture evenly on bottom and sides of rectangular server.
    Sprinkle half of the shredded cheese over the bean layer.

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