Step 1

In 9 x 13 inch baking dish, spread out the refried beans.

Step 2

Combine ONE TABLESPOON of the ranch dressing saving the rest for another use, and 2 cups light sour cream.  Pour on top of the refried bean layer.

Step 3

Top with lettuce, cheese, tomatoes, olives, onion and avocado.

Step 4

Cover and store in the refrigerator until ready to use, up to 6 hours.

Step 5

Serve with salsa on the side, chips and fresh cut veggies for dipping!