To prepare the cheese layer, scoop out 3/4 cup of spreadable Mexican Cheese and whisk in very hot water until it resembles queso - about 1/2 cup or use Vegan Queso.
Prepare the guacamole by mashing all ingredients together in a bowl.
Mix pico de gallo ingredients.
Spread out vegetarian refried beans, top with cheese layer, guacamole, pico or salsa, thn bell pepper, black olives, cilantro.