Brown meat

Once browned, add seasoning and water and stir to mix

Cook on medium until liquid is evaporated

If using cold refried beans: spread refried beans on the bottom of a microwave safe plate and cook on high for 1 minute. Take out of microwave and stir beans well, then spread them flat again. cook on high in microwave for another 1 1/2 minute.

If you are using hot refried beans,: spread on the bottom of microwave safe plate.

Spread 1 cup of cheese on top of hot refried beans and then

Spread ground meat on top of cheese and then add another layer of 3/4 cup shredded cheese on top of meat and microwave for 1 minute

Sprinkle lettuce, tomato, scallions, avocado and black olives over meat.

Top with remaining cheese.

Serve with corn chips. We have found through our 29 years of experimentation that the round or triangular chips work better than the scoops. Utz makes a Baked Tortilla Chip that is our go to chip because of the reduced fat.