The picture above actually demonstrates the flexibility of this tasty treat to some extent. My boys love olives, but my husband, my daughter, and I don't care for them. When putting this together tonight, I just put olives on half of it to accommodate this varying tastes. I also put onions and green peppers on the half that didn't have the olives, since my husband, daughter, and I like those veggies. When serving it, my husband and I got one end, my 6 year old got the far side, and my oldest and youngest boys, as well as my daughter ate more from the middle, so no one got upset if a veggie wandered some place it shouldn't have when the cheese was melting.
cheese: monterey jack, cheddar, colby, or some combination
other toppings: refried beans, ground meat (seasoned or unseasoned), shredded chicken (seasoned or unseasonded), peppers (green, jalapeno or other), onions, olives, green onions, tomatoes, or anything else that sounds good.
condiments: salsa, sour cream (or plain yogurt), guacamole, taco sauce
Preheat oven to 350 degrees. Spread the tortilla chips on the bottom of a baking pan (9x13 is a good size for a family). Dollop refried beans on top of the chips. Spread cheese over beans. Distribute other toppings over the cheese as desired. Bake for 10 minutes and serve with condiments of choice.