1 bag nacho chips
1 can refried beans
1 lb. ground chuck
1 pkg. taco seasoning mix
2 c. Monterey Jack cheese, shredded

GARNISHES:

Chopped olives
Tomatoes
sour cream
guacamole
Salsa

Prepare ground beef according to seasoning mix directions. Spread chips in 10" pie plate. Spoon beans and meat over chips. Sprinkle cheese on top. Bake at 350 degrees for 20 minutes. Serve with garnishes.