1 lg. can refried beans
1 lg. can chili with or without meat
Grated cheese

Preheat oven to 350 degrees. Spread refried beans in 9 x 13 inch pan. Spread chili over first layer. Cover with shredded cheddar or other ground melting cheese. Cook in oven until cheese is melted and beans are heated, about 15 minutes. Serve with taco or tortilla chips. Really good!