Brown ground beef(cook in optional ingredients) after cooked add 1 pkg taco seasoning mix and 1 can refried beans set aside.

Put half of crushed chips in bottom of 9×13 baking dish

Place seasoned ground beef and bean mix on top of chips

Add layers of mozzarella cheese, cheddar cheese, lettuce and diced tomatoes. Add remaining chips on top

Can be served cold or bake at 350 degrees for 20 minutes. If cooking cover serve with sour cream and or salsa