Vegetarian Tostadas with Avocado and Cheese

1 bag Tostadas
1 1/2 tbsp Olive oil
1 1/2 tbsp Vinegar
1 cup Shredded lettuce
1 can Salsa Casera (red salsa)
1/4 can Sliced jalapeņos
6 tbsp Mashed ripe avocado
1/4 cup Crumbled goat cheese or feta or shredded Monterrey Jack or Cheddar
12 Olives
1 can Refried beans
Salt and pepper

Place the Tostadas in the dish.
Spread refried beans over each tostada.
Then spread the mashed avocado over the beans.
Top with the salad and garnish with the cheese, salsa, olives
and slice jalapeno peppers.