Vegetarian Taco Casserole

1 can black beans, drained
1 can "ranchero style" pinto beans w/ liquid
(I have yet to find "ranchero style" so I just get regular pinto beans)
1 c. salsa
1 small can sliced black olives
1/2 c. sour cream
2 tea. chili powder
3 c. crushed tortilla chips
Grated cheddar cheese
chopped tomato
lettuce

Mix beans, salsa, sour cream, olives, and chili  powder in a large bowl. In a greased 9x9 pan, layer 1/2 tortilla chips, then beans, then top with cheese. Repeat layers. Bake at 350 for 20-30 mins. Top with chopped tomato and lettuce.