A great standby lunch or snack.
For 2-3 portions you need:
1 can refried beans
1 packet salted tortilla chips
1 jar salsa
Scoop the refried beans into a flat dish (a flan dish is perfect for this). Lay tortilla chips on the top. Add yogurt/soured cream and salsa in dollops on top of the chips. Cover with grated cheese and a few chillies on the top. Bake in the oven for 20 mins or so till the beans are hot, and the cheese is melted. Eat.