1 pk Cream cheese spread

      1 cn (14oz) refried beans

      2 ts Chili powder

    1/2 ts EACH of cumin, salt, hot

           -pepper sauce
  LAYER #1
  Blend all ingredients.  Spread in bottom of springform pan.  Chill one
  hour.
  LAYER #2 1 cup cottage cheese 1 large avocado, peeled and chopped 2 tbsp
  EACH of diced green chilies and onion 1 garlic clove, minced 1 tbsp lemon
  juice 1/2 tsp salt
  In food processor or blender, blend first two ingredient until smooth. Add
  remaining ingredients, blend well.  Spread over first layer. Chill one
  hour.
  LAYER #3 2 cups sour cream 1 tomato, chopped 1/2 cup EACH of chopped green
  onions and sliced black olives
  Spread sour cream over layer two.  Sprinkle with remaining ingredients.
  Chill 1 hour. Unmold and serve with taco chips or crackers. Serves 10.
  **NOTE**  In the picture, they show thin slices of avocado around the
  outside edge with a whole black olive at each end. Red pimento is crossed
  in the center, and green onions are sprinkled over top of that.... Served
  on a bed of fancy leaf lettuce with the tips of taco chips underneath the
  mold all the way around...
  Origin:  Palm Dairy Ad (one of our Canadian dairies) Shared by: Sharon
  Stevens