In a large glass pie pan, spread one can refried beans, mixed with 1/2 a package of taco seasoning and a dash of garlic powder. Mash 2 avacados with a little lemon juice. Spread it over the beans. Mix equal parts of sour cream and mayonaise, about 3-4 tablespoons each, together with 1/4 a package of taco seasoning. Spread it over the avacados. Top with 8 oz of grated cheddar or enough to cover the dip nicely. Top the cheddar with sliced black olives, sliced green onions, and sliced regular or cherry