1 lb. ground beef, browned
1/2 c. onion, chopped
1/2 tsp. chili powder
Salt & pepper to taste
1 bottle taco sauce
Few drops lemon juice
1 can refried beans

Simmer this mixture for 3 minutes. Garnish with Cheddar cheese, green and black olives. Heat in oven or crock pot on low or until cheese melts.