2 lbs. ground beef
1 (15 oz.) can refried beans
1 pkg. taco seasoning
1 c. shredded Mozzarella cheese
1 c. shredded Cheddar cheese
1 med. can/jar salsa

Serve with nacho corn chips.

Grease a 9 x 13 inch pan. Brown ground beef; drain. Add taco seasoning mix plus 1/2 water recommended on taco package. Layer ingredients, beginning with beans, taco/beef mixture, and then 3/4 salsa. Top with combined cheeses and drizzle with remainder of salsa. Bake at 350 degrees until cheese melts.