1 lb. ground beef
1 can refried beans
1 lb. cheddar cheese
1 pkg. Taco seasoning
1 bag tostado chips

Heat oven to 400 degrees. In one skillet brown beef (drain); add seasoning according to package, add refried beans heat in another skillet. Crunch a layer of chips on bottom sprinkle cheese on top. Pour other mixture on. Add more chips; cover with cheese. Bake in oven until cheese has melted. Serve with chips and hot sauce. Optional - lettuce, tomatoes, and sour cream.