1 lb. ground beef
1 pkg. taco seasoning
Tostitos chips
Monterey Jack cheese, shredded
Cheddar cheese, shredded
1/2 sm. onion, chopped
1/4 sm. green pepper, chopped
1 tomato, chopped
1 can refried beans

Brown ground beef and drain. Mix taco seasoning per instructions on package and add to meat mixture. Add refried beans. In baking dish put a layer of tostitos, layer of meat mixture. (Don't use all the meat. It is good for burritos.) Layer onions, peppers and tomatoes. Cover with cheeses. Put in oven and bake until cheese melts.