Nacho Beef-n-Bean Dip

Brown ground beef with onion, salt and pepper.

Add taco seasoning pack and make taco meat following directions on package. In 9 x 9-inch (approximately) pan, layer refried beans on bottom, meat mixture, jalapeños, black olives, salsa, then top with grated Monterey Jack pepper cheese.

Bake in oven at 425° until cheese is melted and bubbly, 15 to 20 minutes.

Dip with nacho chips!