Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      16 oz can     fat-free refried beans
   1      teaspoon      paprika
     1/2  teaspoon      salt -- , or to taste
     1/2  teaspoon      garlic powder
     1/2  teaspoon      onion powder
     1/4  teaspoon      pepper
   4      medium        Roma tomatoes -- , diced
     1/4  cup           fresh cilantro leaves -- , finely chopped
   1      large         avocado
   1      medium        lemon -- , juiced
   4      ounces        sliced black olives
   3      medium        green onions -- , finely chopped
   8      ounces        fat-free sour cream
   4      ounces        Monterey Jack cheese -- , grated
                        baked tortilla chips

Preparation:

Peel and slice avocado and marinate in lemon juice to keep from browning. In a medium bowl, combine beans and spices. In a 9x12 inch (or 2 8x8 inch) casserole dish, layer ingredients in this order: beans, tomatoes, cilantro, black olives, green onions, sour cream and cheese. Cover and chill for 1 hour before serving.