For avocado mixture, mash avocados that have been peeled and stone removed. Add garlic, 1/3 cup mayonnaise, lemon juice, chili powder, salt and Worcestershire sauce. Mix well. Add diced tomato and onion (can blend in food processor) Set aside. Mix 1/2 cup mayonnaise with sour cream and taco seasoning mix. Set aside. Spread refried beans on large plate or pizza pan for first layer. For second layer,spread with avocado mixture. For third layer, spread with taco seasoning mixture. Top with chopped green onions, diced tomatoes, diced ripe olives and grated cheese. Chill; serve with tortilla chips.
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