In a bowl of a food processor, combine all the ingredients and pulse until well blended and smooth. Season with salt and pepper to taste.Mix all ingredients in a small bowl. Season with salt and pepper to taste.Spread the beans in an even layer on the bottom of a 8X11 (or similar) casserole dish. Spread the avocado in an even layer on top of the beans, followed by a layer of sour cream, then the lettuce, tomatoes, cucumber, and red onion.Season the top lightly with salt and pepper to taste. Garnish with fresh chopped cilantro.Serve immediately with tortilla chips.