1

Preheat oven to 400°F.

2

In a medium skillet, cook ground beef and onions over medium-high heat until beef is thoroughly cooked; drain. Stir in taco seasoning mix and water; simmer 10 minutes.

3

In medium bowl, combine refried beans and taco sauce. In ungreased 8-inch square (2 quart) baking dish, layer ½ the bean mixture, ½ the beef mixture, 2 cups tortilla chips and 1 cup of the cheese. Top with remaining bean mixture and beef mixture.

4

Bake for 25 minutes. Remove from oven. Top with remaining tortilla chips and cheese. Return to oven; bake an additional 3 to 5 minutes or until cheese is melted. Serve with lettuce and tomatoes.