Taco Layer Dip (Low Fat)

Directions

1. 1
   In a medium bowl, stir together beans, water, chili powder and cumin until smooth and creamy (see note below).
2. 2
   Spread the beans along the bottom of a 9-inch pie plate (or other serving dish).
3. 3
   Layer on jalapeno, avocado (or guacamole), tomatoes (reserving a few for garnish), and onions.
4. 4
   Spread with sour cream.
5. 5
   Garnish with additional tomatoes.
6. 6
   Serve immediately with tortilla chips or cover and refrigerate.
7. 7
   Note: Optionally, beans may be heated, topped with cheese then spread with remaining ingredients for a warm appetizer (or if you just plain prefer your refried beans hot).