Instructions

  1. Preheat oven to 350°F.
  2. Grease 9x13-inch baking dish.
  3. Brown ground beef.
  4. Stir in water, taco seasoning, chilies, jalapeño pepper, salt and pepper.
  5. Bring to a boil and allow to simmer for 3 minutes.
  6. Spread refried beans in bottom of baking dish and top with beef mixture.
  7. Cover with foil and bake 30 minutes or until bubbly.
  8. Remove from oven sprinkle with cheese tomato, onions and olives.
  9. Arrange 18-20 tortilla chips around edges of baking dish.
  10. Bake uncovered for another 10 minutes until cheese is melted.
  11. Remove and let cool for 5 minutes.
  12. Top with sour cream, guacamole or fresh salsa.
  13. Serve with remaining chips.