1 1/2 lbs. ground beef or turkey
1 lg. onion, chopped
1 lg. can refried beans
1 (4 oz.) can jalapeno peppers (optional)
2 to 3 c. Monterey Jack and Cheddar cheese, grated
3/4 c. taco sauce
1/4 c. green onion, chopped
1 c. black olives, chopped
1 pkg. taco seasoning

Fry ground beef, add onion and cook until done, drain fat and add taco seasoning, according to package directions. Spread refried beans in shallow 10 x 15 oven proof pan, top with meat and onion mixture. Cover with cheeses drizzle the taco sauce on top. May cover and chill if made ahead.

Bake uncovered in 400 degree oven for 20 minutes until hot through out. Remove from oven and garnish with chopped green onion and olives. Can top also with dollops of sour cream. Serve with tortilla chips.