2 cans refried beans (vegetarian)
16 to 24 oz. thick hot salsa
1 lb. sour cream
1 tbsp. cumin
2 avocados
1 ripe tomato
1/2 can black olives
1/2 lb. cheddar cheese
2 bags of chips

Mix refried beans with about 8 ounces of salsa, layer bottom of a large serving dish. Mix cumin into sour cream, layer it on top of bean mixture. Chop avocados and layer on top. Chop tomato and layer on top. Chop olives and layer on top. Cover the whole thing with more salsa. Grate cheese and assemble as you like - around the sides or on top. Serve with tortilla chips and enjoy.