Bean Layer:

• 1 (30-ounce) 1 (30-ounce) can refried beans about 3 1/2 cups (see note)
• ½ ½ cup green or red salsa

Guacamole (see note):

• 3-4 3-4 medium ripe avocados
• 1-2 1-2 tablespoons fresh lime juice
• ¼ ¼ cup finely chopped cilantro
• salt and pepper to taste

Sour Cream Layer:

• 1 ½ 1 ½ cups sour cream
• ½ ½ teaspoon chili powder
• ¼ ¼ teaspoon cumin
• ¼ ¼ teaspoon dried oregano
• ¼ ¼ teaspoon garlic powder
• ¼ ¼ teaspoon salt
• Pinch of black pepper

Other Layers:

• 1 ½ 1 ½ cups finely shredded Mexican blend cheese monterey jack + cheddar
• 1 1 cup chopped tomatoes (see note)
• 1 1 cup sliced olives
• ¼ ¼ cup finely chopped green onions or chives