Ingredient:

• 1 can refried beans (15 to 16 ounces) or 2 cups homemade refried beans*
• 1 ¼ cups mild red salsa, divided
• 1 teaspoon ground cumin
• 2 medium ripe avocados
• 2 tablespoons lime juice (from about 1 lime)
• 1 medium jalapeño, seeds and ribs removed and finely chopped (about 2 tablespoons)
• Fine salt, to taste
• 1 cup sour cream
• 6 ounces freshly grated Cheddar cheese (about 1 ½ cups)
• ⅓ cup drained pickled jalapeño peppers, roughly chopped, or 1 small can (2.25 ounces dry weight) drained sliced black olives
• ⅓ cup thinly sliced green onions (about 2 to 3)
• ⅓ cup fresh cilantro leaves
• Tortilla chips, for serving