1 lb. ground beef
1 med. onion, chopped
1 pkg. taco seasoning mix
1 (16 oz.) can refried beans
1 (8 oz.) jar taco sauce, divided usage
2 c. shredded cheddar cheese (8 oz.)
Nacho tortilla chips
Shredded lettuce
Chopped tomato

In skillet, cook ground beef and onion until meat is browned, drain excess fat. Add taco seasoning mix to meat according to package directions. In a small mixing bowl, combine refried beans and 1/3 cup taco sauce. Mix well. Put crushed chips on bottom of baking pan. Cover with bean mixture and ground beef. Top with cheese. Bake in preheated oven 20-25 minutes. Garnish with lettuce and tomato. Add taco sauce to taste.