1 lb. ground beef
1 med. onion, chopped
1 can refried beans (15 oz.)
2 c. shredded Cheddar cheese
3/4 c. taco sauce (Picante)

Brown ground beef with onion. Grease casserole dish and spread beans evenly in bottom. Drain fat from ground beef and add taco sauce. Spread evenly over beans. Spread cheese evenly over meat. Bake at 350 degrees for 25-30 minutes. Serve with tortilla chips.