7 Layer Dip

1 can fat free re-fried beans 1 container light sour cream 2 teaspoons chili powder 2 teaspoons cumin 5 scallions, chopped 2 large tomatoes, "guts" removed, chopped 3 jalapeno peppers, seeds removed, chopped (or 1 cup jarred jalapeno slices, chopped) 1 can black olives, chopped 1 (8 oz) package shredded light cheddar cheese

Cover the bottom of a 9x13 glass pan evenly with refried beans. Mix sour cream, chili powder and cumin together, and spread evenly on top of the beans. Finish off with the remainder of the toppings in whatever order you like. Chill for at least an hour before serving with tortilla chips. ***You can use different toppings, spices or another type of pan/serving dish...just adjust measurements accordingly***