Mix the refried beans and salsa together. Spread of the mixture in a serving platter.
Spread avocados over salsa.
Spread 3/4 of the sour cream over avocado.
Sprinkle the onions over the sour cream.
Sprinkle 3/4 of the olives over the onions.
Mix the 3 cheeses together and sprinkle over the olives.
Use the remaining sour cream to place little "tufts" of cream on top of the cheese.
Sprinkle the remaining olives over the top.
Best when slightly chilled, or serve as is!
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