1 lb. ground beef
1 med. onion, chopped
1 (8 oz.) can tomato sauce
1/4 c. water
1 tsp. chili powder
1 (16 oz.) can refried beans
1/4 c. taco sauce
1 1/2 c. shredded Monterey Jack cheese
5 taco or tostado shells, coarsely crushed
1 c. shredded lettuce
1 sm. tomato, chopped (opt.)
1/4 c. sliced green onions (opt.)
1/4 c. sliced ripe olives (opt.)
1 (6 oz.) frozen avocado dip (opt.)

Crumble the beef into 1 1/2 quart casserole with onion. Microwave covered on High 4 1/2 to 5 1/2 minutes or until done. Drain, stir in tomato sauce, water and chili powder. Microwave, covered, on High until bubbly, about 6 minutes.

Meanwhile, stir together beans and taco sauce. Spread in bottom of 12" x 7 1/2" x 2" micro dish. Spread on meat mixture. Microwave uncovered on High 7 to 9 minutes to heat through. Top with cheese. Microwave uncovered on High about 1 minute to melt cheese. Top with crushed shells and lettuce and optionals. Serves 6. Can be adapted to oven.