Southwestern Layered Bean Dip
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.
Bake at 350 for 30 minutes
Spread sour cream evenly over the hot bean mixture, then scatter with lettuce, tomato, avocado and olives (if using). Submitted by: MSLOAN1283