BEST Layered Bean Dip

This dip will be the hit at ANY party or gathering! I made this  for a Halloween Get-Together & it was gone before anything else - I wish I had made two dishes instead of just the one!

Ingredients: 

1 C. (16oz) Refried Beans
1 Container (16oz) Sour Cream
1 Pkg. Taco Seasoning Mix
1/4 C. Green Onions
2 C. Shredded Cheddar Cheese ~OR~ Mexican Cheddar Jack Cheese
1 C. Prepared Guacamole
1 C. Salsa ~OR~ Chopped Tomatoes (I've made it BOTH ways)
1/2 C. Jalapenos
1/2 Sliced Black Olives
Tortilla Chips for Dipping

Directions: 

1. Spread the Refried Beans in a Casserole Dish.

2. Top the Beans with the prepared Guacamole.

3. Mix Sour Cream, Green Onions and Taco Seasoning in a bowl until well blended. Then spread on top of the Guacamole. (You can ALSO Reserve the Green Onion for the topping, but I like to mix it into the Sour Cream.)

4. Top the Sour Cream with Cheese; then add Salsa (or Chopped Tomatoes). Next add the Black Olives and Jalapenos.