Southwestern Layered Bean Dip

Southwestern Layered Bean Dip was pinched from <a href="http://www.cooking.com/recipes-and-more/recipes/southwestern-layered-bean-dip-recipe-9808.aspx" target="_blank">www.cooking.com.</a>

"Our take on this classic party dip is made with lower-fat sour cream, plenty of fiber-rich beans and vegetables—and it's still just as delicious. Scoop it up with tortilla chips. Make Ahead Tip: Prepare through Step 1, cover and refrigerate for up to 1 day. To serve, continue with Steps 2 & 3...."

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)
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