Southwestern Layered Bean Dip

Ingredients

• 1 16-ounce can fat-free refried beans preferably spicy
• 1 15-ounce can black beans rinsed
• 4 scallions sliced
• 1/2 cup prepared salsa
• 1/2 teaspoon ground cumin
• 1/2 teaspoon chili powder
• 1/4 cup pickled jalapeno slices chopped
• 1 cup shredded Monterey Jack or Cheddar cheese
• 1/2 cup reduced-fat sour cream
• 1 1/2 cups cups chopped romaine lettuce
• 1 medium tomato chopped
• 1 medium avocado chopped
• 1/4 cup canned sliced black olives (optional)