1 pkg. taco chips
1 lb. hamburger
1 can refried beans, optional
1 pkg. taco mix
1 can Cheddar cheese or Nacho cheese soup
1/3 c. milk
1 pkg. shredded Cheddar cheese
1 pkg. Monterey Jack cheese, shredded
Chopped tomatoes
Chopped lettuce
Chopped black olives, optional

Crush taco chips and spread in the bottom of a 9 x 13 inch pan. Brown hamburger, add taco mix according to package directions. Add can of refried beans (optional). Spread hamburger, bean mixture over chips. Layer tomatoes, lettuce and olives over meat mixture. Spread shredded cheeses on top and cover the hotdish with the soup and milk mixture. Bake at 350 degrees for 30 minutes.