In a small bowl mix refried beans and salsa. Spread mixture in a thin layer on the bottom of a large platter.
In a separate small bowl whisk yogurt, cumin, paprika, ½ teaspoon of the salt, and, if desired, cayenne. Spread mixture on top of bean layer.
In a third bowl mash avocados with ¼ cup of the cilantro, garlic powder, lime juice, and remaining salt. Spread guacamole on top of yogurt layer.
Sprinkle dip with minced scallions, diced tomatoes, black olives, and remaining cilantro. Serve with tortilla chips. Makes 12 servings. Recipe from United Dairy Industry of Michigan.