1 lb. hamburger meat
1 (16 oz.) can refried beans
4 c. shredded Cheddar cheese
1 pkg. taco seasoning mix
1 bag tortilla chips
1 tomato
1 c. shredded lettuce
1/2 c. water

Brown and drain hamburger meat. Add taco seasoning mix and water, and simmer for 10 minutes. Grease 9 x 13 inch baking dish with butter or Pam. Spread uncooked refried beans in baking dish and cover with half of the cheese. add hamburger meat and other half of cheese. Bake at 350 degrees for 15 minutes in oven (or 7 minutes in microwave depending on watts of oven). Take out and garnish with chips, lettuce, and tomato. Makes 5 large servings.