1 (12 to 16 oz.) can refried beans
1 lb. ground beef
1 pkg. taco seasoning mix
1 pt. sour cream
1 sm. jar taco sauce
1 sm. can sliced green chilies
1 sm. can sliced black olives, chopped
2 c. Mozzarella cheese, shredded
1 1/2 to 2 c. Cheddar cheese, shredded

Spread beans on bottom of ungreased casserole dish. Brown hamburger and drain. Add taco mix, following instructions on back (but don't add as much water as it says). Simmer until liquid evaporates. Spread hamburger over beans. Add green chilies on top of meat. Pour all cheese over top. Pour taco sauce over cheeses. Bake at 350 degrees for 30 minutes. After baking, spread sour cream over top and garnish with olives. Serve with taco chips or Doritos.