Mexican Fiesta Dip

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1 medium to large can refried beans

3 avocados, chopped

2 teaspoons lemon juice

Salt, pepper, to taste

1 large container sour cream

1 chipotle in adobo, chopped

1 bunch green onions, chopped

2 large tomatoes, seeded and chopped

1 to 2 cans sliced black olives

6 ounces grated cheddar cheese for garnish

1 package tortilla chips