1 lb. cottage cheese
1 pkg. taco seasoning
1 (1 lb.) can refried beans with chilies
2 med. chopped fresh tomatoes with seeds removed
1/4 to 1/2 head lettuce, finely chopped
4 oz. fine shredded cheddar
Pkg. of tortilla chips
9 x 13 inch baking pan

Mix cottage cheese, taco seasoning, and 1/2 can of refried beans in blender until smooth. Spread into the bottom of the 9 x 13 pan. Mix remaining refried beans, 3 tablespoons chopped tomatoes in blender until mixed but still lumpy, then spread over first mixture in pan.

Cover the two layers with finely chopped lettuce. Cover lettuce with remaining chopped tomatoes, and then with shredded cheddar. Refrigerate until ready to use. Serve with nacho chips.