1 (15 oz.) can refried beans
1 (8 oz.) can tomato sauce
8 tbsp. picante sauce
1/4 c. chopped onion
1/4 tsp. dry mustard powder
1 pkg. seasoning mix
1/4 c. chopped bell pepper
1/2 tsp. chili powder

Combine all ingredients and bring to boil. Pour into a large pan and cool in refrigerator. After mixture is cooled, combine one (16 ounce) sour cream, chili powder and 2 teaspoons shredded cheddar. Spread over cooled meat mixture. Top with shredded lettuce and shredded cheddar cheese. Serve with chips.