ULTIMATE ATE-LAYER DIP

One 16-oz. can fat-free refried beans

1/4 tsp. chili powder

3/4 tsp. cumin

1/2 tsp. onion powder

1/2 tsp. garlic powder

8 oz. raw extra-lean ground beef (4% fat or less)

1/4 tsp. salt

1 cup fat-free plain Greek yogurt

1/2 cup shredded reduced-fat Mexican-blend cheese

2 cups shredded lettuce

1 cup chopped tomatoes

1/4 cup chopped scallions

1/4 cup sliced black olives

Serving suggestions: cut veggies, baked tortilla chips