Albuquerque Delight

1 (14 ounce) can refried beans

1 (1.25 ounce) package taco seasoning mix

3 avocados - peeled

pitted

and mashed

2 teaspoons lemon juice

2 tablespoons minced onion

1 dash garlic salt

1 cup sour cream

1 cup chopped green chile peppers

½ pound shredded Monterey Jack cheese

½ pound shredded mild Cheddar cheese

2 medium fresh tomatoes

chopped

1 (2.25 ounce) can pitted black olives

sliced