Instructions: In a large pan brown meat; add onion, and cook until onion is transparent.

Drain off fat. Spread the refried beans in a 3-quart casserole; add meat mixture. Cover with cheese. Pour taco sauce over the cheese. (At this point may cover and chill.) Bake at 400F degrees for 25-30 minutes.

Garnish with chopped avacado, tomato, olives, and sour cream. Serve hot with taco chips.

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