In a small bowl, mash the beans well. Add the remaining bean layer ingredients and mix. Spread the mixture in an 8 x 11 dish or onto any other large serving platter.
Spread the white layer over the beans followed by a salsa layer.
In a small bowl, mash the avocados with a fork & add remaining ingredients from guacamole layer. Mix and spread on top of the salsa layer.
Place a layer of lettuce over the guacamole layer and top with your favorite cheese. Garnish with black olives. Serve immediately with whole-grain tortilla chips.