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1 Large can refried beans
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2 Avocados, mashed with a little lemon juice
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1 Cup Sour Cream mixed with dry taco mix
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2 Cups grated Cheddar Cheese
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1 chopped onion or enough for your own taste
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2 Cups grated Monterey Jack Cheese
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4 small or 2 medium diced tomatoes
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a layer of sliced olives
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