Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      cup           sour cream
   2      cups          ground cumin
   1      teaspoon      chili powder
     1/8  teaspoon      salt
   1      can           black beans -- (15 oz)
                        rinsed and drained
                        divided
   2                    ripe avocadoes -- peeled
                        and pitted
   1      teaspoon      lemon juice
   1      cup           chopped iceberg lettuce
   4      ounces        cheddar cheese -- shredded
   1      cup           -- about
   2      small         tomatoes -- chopped
   2      tablespoons   chopped black olives
                        tortilla chips

Preparation:

Combine sour cream, cumin, chili powder and salt; set aside. With fork mash 1/2 cup black beans; combine with remaining black beans and 2 Tbs sour cream mixture. With fork mash avocados with lemon juice. In 4 cup glass bowl layer 1/2 bean mixture, all of avocado mixture, 1/2 remaining sour cream mixture, lettuce, remaining bean mixture, cheese, tomatoes and remaining sour cream mixture. Top with olives. Serve at room temperature with chips.