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)
Directions
Combine refried beans, black beans, scallions, salsa, cumin, chili powder and jalapenos in a medium bowl. Transfer to a shallow 2-quart microwave-safe dish; sprinkle with cheese.

Microwave on High until the cheese is melted and the beans are hot, 3 to 5 minutes.

Spread sour cream evenly over the hot bean mixture, then scatter with lettuce, tomato, avocado and olives (if using).