|1 lb Lean Ground Beef||1/2 tsp Black Pepper|
|1/2 Cup Finely Crushed Corn Chips||1/2 Cup Shredded Cheese|
|3 tsp Chili Powder||1 Cup Refried Beans (optional)|
|1 tsp Cumin||1/4 Cup Salsa|
|1/2 Cup Chunky Salsa||1 Cup Shredded Cheese|
Preheat oven to 375. In a medium bowl mix beef, corn chips, egg, chili powder, cumin, salsa, pepper, and 1/2 cup shredded cheese. Form into a loaf and place in a greased loaf pan. In a small bowl mix refried beans and 1/4 cup salsa. Spread bean mixture over meat loaf and bake for 45 minutes. During the last 5 minutes sprinkle with remaining 1 cup of cheese.