1 - 1 1/2 lbs. hamburger meat
2 cans enchilada sauce
1 med. onion, diced
1 lb. cheddar cheese, grated
1 lb. Monterey Jack cheese, grated
2 cans Ranch style beans
1 lg. bag tortilla chips

Brown meat. Add beans, 1 can sauce and 1 can water. Simmer. Layer pan with 1/2 chips. Sprinkle 1/2 cheese and onion over chips. Add meat and bean mixture. Add rest of cheese and onion. Top with the other 1/2 of chips. Pour sauce and water mixture over the top. Bake at 350 degrees for 30 minutes.