01 - In a medium bowl, thoroughly combine the sour cream, softened cream cheese, and taco seasoning until the mixture is smooth and evenly blended. Reserve for later use.
02 - In a separate bowl, mash the ripe avocados with the fresh lime juice and salt until a smooth guacamole consistency is achieved.
03 - Evenly spread the prepared refried beans across the bottom of a 9 by 13-inch glass dish or a suitable serving platter, forming the base layer.
04 - Carefully spoon and spread the reserved sour cream mixture evenly over the refried bean layer.
05 - Gently spoon the freshly prepared guacamole evenly over the creamy sour cream layer.
06 - Delicately spread the chunky salsa over the guacamole layer, ensuring even coverage.
07 - Evenly sprinkle the shredded cheddar cheese over the salsa.
08 - Arrange the shredded iceberg lettuce, diced tomatoes, sliced black olives, and chopped green onions in distinct, even layers on top of the cheese.
09 - Refrigerate the layered dip for a minimum of 30 minutes to allow flavors to meld. Serve chilled with tortilla chips.