1 can refried beans
1 lb. ground beef
1/2 can beanless chili
8-10 oz. Monterey Jack cheese, grated
8-10 oz. cheddar cheese, grated
1/2 jar hot taco sauce
1/2 jar red taco sauce
1 pt. sour cream

Add 1/4 sour cream to refried beans. Spread in dish. Brown hamburger and add chili to it. Spread hamburger-chili mixture over first layer. Top with cheese. Spread sauces over. Bake 30 minutes at 350 degrees. Top with sour cream.