in a saucepan, bring water to a boil. add rice & stir. reduce heat, cover & simmer for 20 min..remove & chill.

in a large bowl, mix together the rice, beans, tomato, cheese & green onion.

in small bowl, whisk tog. the oil, vinegar, peppers, cilantro, sugar and salt....pour over the rice mixture & toss to coat. cover & refrigerate salad for 30 min. top with avocado just before serving