Taco Layer Dip (Low Fat)

In a medium bowl, stir together beans, water, chili powder and cumin until smooth and creamy (see note below). Spread the beans along the bottom of a 9-inch pie plate (or other serving dish). Layer on jalapeno, avocado (or guacamole), tomatoes (reserving a few for garnish), and onions. Spread with sour cream. Garnish with additional tomatoes.

Serve immediately with tortilla chips or cover and refrigerate.

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).