1 lb. hamburger
1 lg. can refried beans
1/2 c. onions, chopped
1 can diced jalapeno peppers
1 c. Monterey Jack cheese
1 c. Cheddar cheese
1 sm. jar taco sauce
Avocado
Sour cream
Olives, chopped
Taco chips

Brown hamburger and onions (pinch of Tabasco sauce). In serving pan, layer ingredients in the following manner: refried beans, hamburger and onions, jalapenos, cheeses, and taco sauce. Bake at 350 degrees until cheese melts. Spread sour cream-avocado mixture over top; sprinkle olives. Serve with taco chips and enjoy!