1 lb. lean ground beef
1 lg. onion, chopped
1 to 2 cans refried beans
1 (4 oz.) can whole green chilies
2 to 3 c. shredded Monterey Jack or mild Cheddar cheese (or combination)
3/4 c. taco sauce

Garnish with some or all of the following:

1/4 c. chopped green onion
1 c. pitted ripe olives (chopped)
1 can (7 3/4 oz.) avocado dip (or 1 med. avocado mashed)
1 c. sour cream

Cook beef and onion on high, stirring until browned. Discard fat; season with salt. Spread beans in shallow 10 x 15 inch pan. Top with meat, chop chiles (remove seeds and pit first for milder flavor). Sprinkle over casserole.

Cover evenly with cheese, drizzle taco sauce over cheese. Bake uncovered for 20 to 25 minutes at 400 degrees. Put on garnishings. Put the avocado mounded in the center and top with sour cream. Serve with tortilla chips. 4 to 6 servings.