1. Preheat oven to 400 degrees
2. Line a half baking sheet (18X13) with aluminum foil and spray with nonstick cooking spray.
3. Spray cooking spray in nonstick pan over medium high heat and saute onions until transparent. Add the beans and spices. Cook for an additional 5-6 minutes. Stir often to prevent sticking
4. Add the beans and cook for another 3-4 minutes. Remove from heat and set aside.
5. To make the chips… cut lavash or wrap with some clean kitchen shears into triangle shaped pieces. Spray cooking spray in a pan heated over medium/high heat. Toss in chip pieces and cook while tossing until chips are nice and crispy.
6. Place chips in a single layer on the baking sheet. Top with the vegetable and bean mixture. Then add cheese and place in the oven under high broil for 1-2 minutes or until the cheese is melted. 
7. Top with yogurt, cilantro, avocado and pico.

Calories: 386 ; Fat: 12 g; Protein:19 g; Total Carbs: 53g; Net Carbs: 37g;  Fiber: 16g