1 lb. hamburger
1 pkg. taco seasoning
1 (12 oz.) can refried beans
1 sm. can minced jalapenos (2.5 oz.)
1 can diced olives (2.5 oz.)
Sour cream
Shredded Cheddar, 1 c. + extra for topping

Brown hamburger, add taco seasoning, refried beans and 1 cup shredded Cheddar. Heat until cheese is melted. Spread mixture out evenly in 9x13 glass pan.

Spread sour cream on top. Then sprinkle jalapenos and olives over sour cream. Add desired amount of shredded Cheddar (can be melted under broiler).

For extra flavor add favorite salsa (1/2 - 1 cup) to hamburger and bean mixture. Serve with tortilla chips.