1/2 lb. Monterey Jack cheese, grated
1/2 lb. cheddar cheese, grated
1/2 lb. Mozzarella cheese, grated
8 oz. Mexican Velveeta cheese, cubed
1 lb. ground beef
1/2 can refried beans
1 sm. bag of tortilla chips
1 diced tomato

Heat refried beans and brown meat. Layer bottom of 9 x 13 inch pan with tortilla chips. Then spread beans on the chips and meat on top of that. Continue layering with cheese and beans and meat until you can't add any more. Sprinkle diced tomatoes on top. Bake in a 400 degree oven until cheese is melted. Cut in squares and serve.