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In a medium bowl, stir together the refried beans, cumin, chili powder, and 1/4 tsp salt until evenly combined. Spread the seasoned beans in an even layer across the bottom of a 9x13-inch baking dish or large shallow serving dish.
In a small bowl, stir together the sour cream, garlic powder, and onion powder until smooth. Spread the sour cream mixture evenly over the bean layer, leaving a thin border so the layers stay visible from the side.
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