I have been making this for years, it is sooo good. I season the meat with taco seasoning and leave the onions raw to sprinkle over top. I use processed cheese or Tostito's cheese dip and hat it on the stove along with the refried beans. This makes the beans and cheese easier to evenly distribute over the chips. I bake it, then I top with what I have on hand- lettuce, tomatoes, onions, sour cream guacamole, etc. Great to make and eat in front of the TV with a movie or the game. Yum!
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