1 (10 oz.) bag tortilla chips
1 can vegetarian refried beans
1 (8 oz.) jar MILD salsa
1 1/4 c. shredded cheddar cheese

Spread tortilla chips evenly on 13 x 9 inch cookie pan. Drop by spoonfuls 3/4 of can of refried beans over chips. Drop by spoonfuls salsa over chips. Sprinkle grated cheese over all. Place pan under broiler until cheese is melted and bubbly. Serves 6.