1 1/2 lb. hamburger
1/2 c. mild or hot taco sauce
1 onion, chopped
2 tsp. chili powder
2 pt. refried beans
2 (8 oz.) pkg. Monterey Jack cheese
Sliced black olives for garnish (optional)

Brown hamburger and onions. Drain and put in mixing bowl. Add all ingredients, except 1 package of cheese. Mix well. Put into small ovenproof bowls. Top with other cheese. To serve, heat oven to 350 degrees and bake for 20-30 minutes. Serve with taco chips.