In a small bowl, mix together sour cream, taco seasoning and Miracle Whip Dressing. Set aside. In a separate small bowl, mix together refried beans and 2 tablespoon of salsa. Set aside. Let the rest of the salsa drain in a mesh strainer over the sink or another bowl until you're ready to use. Slice onions and tomatoes.
Assembly
Spread refried bean mixture evenly in the bottom of a shallow 1.5 quart dish. Top with guacamole, spreading gently so as not to mix with the beans. Spread the sour cream layer atop the guacamole, also spreading gently. Top the sour cream layer with the drained salsa, gently spreading it evenly across the dip.
Cover the salsa with layer of grated cheese. Top with chopped tomatoes, then olives & green onions. Add chopped cilantro, if desired. Serve immediately with heavy tortilla chips.