2 cans refried beans
1 lb. ground beef
1 onion, chopped
10 oz. cheddar cheese, grated
1 pkg. taco seasoning mix
Chopped ripe olives
1 bottle taco sauce, mild or hot
8 oz. sour cream
1 avocado, chopped or guacamole dip
Tortilla chips

Spread refried beans in oiled 9"x13" pan. Brown ground beef and chopped onion. Drain fat. Simmer beef with taco mix and 1 cup water as directed on package. Spread meat mixture on beans. Pour taco sauce over meat. May be frozen at this point. Grate cheese and cover mixture. Bake at 350 degrees for 25 to 30 minutes until bubbly. Serve warm with sour cream, chopped avocado or guacamole and ripe olives spread on top. Use tortilla chips to dip.