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Spread refried beans over each tortilla chip.
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Add a spoonful of the taco "beef" crumbles to each chip and press into beans to secure it
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Put back into the oven at 350F for about 5 minutes or until hot.
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Remove from oven and arrange on a plate.
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Spoon cheeze sauce (reheat if necessary) over each nacho.
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Top with desired garnishes, and serve