Thanks Christie!
well i ran out of time to make it yesterday (was having a linen party) so my SIL whipped it up for me, following your ingredients and with a bit of her own.

sheput a little lemon juice and vegemite in the avacardo.
she put layer mashed refined beans, then the taco seasoning wsour cream mix then the avacardo dip then chips around the side cherry tomatoes cut in half and cheese on top
i really liked it yumm now i know how to do it myself so thanks again!