Taco Casserole

(Courtesy of Food Writers Favorites)

Ingredients:
1 lb. lean ground beef
1 envelope (1 1/2 oz.) taco seasoning mix
1 can (16 oz.) refried beans
2 c. water
1 pkg. (8 oz.) taco-flavor tortilla chips, crumbled
2 c. grated cheddar cheese (about 8 oz.) 
Chopped lettuce
Chopped tomatoes
Salsa
Sour cream or low-fat yogurt

Directions:
In a large skillet, brown ground beef; drain off fat.  Add taco seasoning mix, refried beans and water.  Heat mixture, stirring occasionally, until it begins to boil.

Spread tortilla chips in the bottom of a 9x9 baking dish.  Pour meat mixture over chips.  Sprinkle cheese on top.  Bake in a preheated 350 degrees oven for 15-20 minutes, or until cheese begins to bubble.

Pass lettuce, tomatoes, salsa and sour cream at the table and let each diner add toppings of choice to his/her serving.