6 flour tortillas
1 (14 ounce) can refried beans
1 (14 ounce) can Wolf brand chili (with beans or without)
1 cup grated cheddar cheese or 1 cup monterey jack cheese
Preheat oven to 350. Tear 3 tortillas into bite size pieces and cover bottom of 8X8 baking pan or equivalent. Spread 1/2 can beans on tortillas. Spread 1/2 can chili on beans. Add 1/2 cup cheese. Repeat layers. Bake until hot through (about 10-15 minutes). Top with sour cream, chopped lettuce, tomatoes, salsa, chips, or whatever you like.