Small onion, chopped 10 oz Shredded Cheddar cheese
Large, ripe avocado, mashed 2 Chopped tomatoes
2 pk Taco chips
Mix refried beans with taco seasoning mix. Spread on large plate [pie plate works well - P.L.], then layer remaining ingredients. Serve with taco chips. This can be served cold or heated through to melt cheese. Either way, don't count on any leftovers.