2 lbs. ground beef
1 pkg. taco seasoning mix
1 (16 oz.) can refried beans
8 oz. grated sharp Cheddar cheese
8 oz. grated Mozzarella cheese
1/4 c. chopped onion
Chopped black olives
Chopped tomato
Sour cream
Tortilla chips

Brown ground beef, drain. Add taco mix and 1/2 cup water. Cook over low heat about 15 minutes. Spread in greased 9 x 13 inch baking pan. Spread beans over meat. Sprinkle with cheeses, then with chopped onion. Bake at 325 degrees for 20 minutes. Top with olives, tomato, sour cream or any other favorite toppings. Serve over tortilla chips. Enough for a meal.