1 1/2 lbs. ground beef
1 tbsp. chili powder
1 sm. onion
1/2 bell pepper
2 tbsp. ketchup
1 can refried beans
2 oz. Cheddar cheese
Hot sauce, to taste
Salt, to taste
Pepper, to taste
Garlic powder, to taste

Brown beef, onion, bell pepper, salt, pepper, garlic powder and chili powder. Drain off grease. Add ketchup and refried beans. Garnish with cheese. Serve on Ritz crackers.