Instructions: First, mix together refried beans, salsa, garlic salt and onion; spread in a layer on a very large platter. Second, mix together avocados and lemon juice; spread over first layer. Third, mix together mayonnaise and sour cream; spread over second layer. Fourth, sprinkle cheddar cheese over third layer. Fifth, sprinkle Jack cheese over fourth layer.

Top with chopped olives and tomatoes. Serve with tortilla chips.

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