Step 1

In an 8-inch-square casserole or similarly sized container, mix the refried beans with the cumin and season to taste with salt and pepper; spread it into an even layer.

Step 2

In a medium bowl, mash the avocados with a fork, mix with the lime juice and jalapeño, if using, until thoroughly combined, and season to taste with salt. Top the beans with the guacamole and spread into an even layer.

Step 3

In a small bowl (or directly in the container), mix the sour cream and chili powder until evenly combined. Spoon on top of the guacamole and spread into an even layer, making sure to cover the guacamole completely, so it doesn't turn brown.

Step 4

Spread the salsa on top of the sour cream, sprinkle with the shredded cheese, and then top with the olives and scallions. Serve with tortilla chips for dipping.