Take 1 can of fat free refried beans, mix in garlic and cumin. Spread in bottom of your dish. The perfect container for this, and also awesome to go, are those 4 cup flat rectangular tupperware things. Then add 3-4 oz (half a small container or a little less than 1/2 cup) plain nonfat yogurt ("sour cream") and spread on top of beans. Top with any/all of the following:

drained Rotel
tomatoes
tomatillos
green onions
regular onions
cilantro
bell peppers
jalapenos
etc.

YUM!! So fresh and delicious. You have to eat it with a spoon instead of chips but it is really good and hits the spot if you want Mexican food!

You could also take this and roll it into some lettuce like a wrap. That way you can still kind of get a "crunch effect