Layer the following in a flat dish:
3 cups refried beans (I used the recipe posted below, but you could use your own or canned refried beans)
1 cup sliced olives
2 tomatoes, chopped
1 avocado, diced (Better yet, use the guacamole recipe from my blog)
1 cup white cashew cheese sauce
1/2 cup mild salsa
This recipe can be varied in a lot of ways. You can add chopped raw onion if you like that, use medium or hot salsa, or anything else that sounds good to you!