ingredients

1    16 ounce can  nonfat 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   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).
Tip:
MAKE AHEAD TIP: Prepare through Step 1, cover and refrigerate for up to 1 day. To serve, continue with Steps 2 & 3.

NUTRITION INFORMATION

Per Serving: cal. (kcal) 146, Fat, total (g) 7, chol. (mg) 12, sat. fat (g) 3, carb. (g) 15, Monosaturated fat (g) 3, fiber (g) 5, pro. (g) 7, vit. A (IU) 728.85, vit. C (mg) 8.86, sodium (mg) 288, Potassium (mg) 164, Starch () 1, Lean Meat () 1, Fat () 1, Percent Daily Values are based on a 2,000 calorie diet