1 lb. ground beef, browned and drained
2 cans refried beans
1 small onion, chopped
1 large jar taco sauce or salsa
1/2 lb. shredded Cheddar or Mexican cheese

Toppings:

1/2 head chopped lettuce
2 chopped tomatoes
1 (16 oz.) sour cream
2 small cans chopped black olives
3 to 4 chopped green onions
salt and pepper

Brown ground beef and onions. Drain off fat. Spread refried beans over bottom of 9 x 13 baking dish. Sprinkle ground beef and onions over beans. Season with salt and pepper. Spread taco sauce evenly over bean and beef layer. Sprinkle cheese over layers, then bake at 350°F for 30 to 45 minutes, until cheese is melted and mixture is heated throughout. Let cool 10 to 15 minutes, then top with lettuce, tomatoes, sour cream, black olives and chopped green onions. (You may wish to keep toppings in individual bowls and let your guests do this.) Serve dip with nacho chips.