6 Layer Bean Dip

1 lg. can refried beans
1 lg. jar picante sauce (hot or mild)
2 cartons avocado dip or homemade
1 lg. carton sour cream
Grated jack or mild cheddar cheese
Diced green or black olives

Layer ingredients in order listed in a rectangular cake pan. Use as much cheese as desired. Heat or eat cold. Serve with large tortilla chips.