Make in 9 x 13 inch pan.

1ST LAYER:

1 can refried beans

2ND LAYER:

1 lb. ground beef
1 onion
Salt and pepper

Brown together 2nd layer ingredients and drain.

3RD LAYER:

1 jar salsa (mild)

4TH LAYER:

1 bag shredded Mexican cheese (Velveeta), mild

Bake at 350 degrees until melted (about 20 minutes). May make up early in day and refrigerate until ready to bake. Serve with Nachos.