1 1/2 lbs. ground beef, browned and drained
1 can refried beans
1 (16 oz.) jar taco sauce
1 can black olives, chopped and drained
2 c. Monterey Jack cheese

Mix hamburger, refried beans, taco sauce and black olives together. Place in baking dish. Top with cheese, bake until cheese melts. Serve with tostadas.