As written, this is ok -- a good basic recipe, but kind of bland, which is why I only gave it 3 stars. To perk it up a bit, I followed others' suggestions, by adding taco seasoning to the meat & baking the chips at 350 for about 8 minutes. I prepared 6 separate plates. On top of the chips, I thinly layered the beans (which were heated first) & meat. I topped that with nacho cheese salsa warmed in the microwave, then mild tomato salsa, chopped green onions, sliced black olives, some chopped tomato, shredded cheddar cheese and a dollop of sour cream. I served extras of the chips & toppings on the side, along with hot sauce and sliced jalapeno peppers for the more adventurous. There were no leftovers! Next time, I will add shredded lettuce to the mix.