1 lb. hamburger
1/2 c. chopped onion
1 pack taco seasoning
1 can refried beans
1 pkg. cream cheese
1 pkg. soft tortilla shells
1 c. sour cream
1 c. salsa
2 c. Pepper Jack cheese
2 c. Cheddar cheese

Brown hamburger. Add chopped onion and taco seasoning. Combine refried beans and cream cheese. Cut tortillas into strips. In a 13 x 9-inch pan layer 1/2 hamburger mixture, then tortilla strips, then 1/2 refried bean mixture, then top with 1 cup each of Pepper Jack and Cheddar cheese. Repeat layers then top with remaining cheese.

Bake at 350°F for 35 minutes. Serve with sour cream, salsa, shredded lettuce and diced tomatoes.