Brown lean ground beef in pan
Add taco seasoning and water per directions on taco seasoning mix
Cover and cook according to directions
Push taco meat to one side of pan
Add refried beans other side of pan and spread out over the bottom of the pan opposite the taco meat
Cover pan and warm on low heat until refried beans are warm
Cover very large casserole dish with layer of tortilla chips
Place a few spoonfuls of taco meat and refried beans over chips
Add one quarter of each cup of cheese over meat and beans
Sprinkle on a few black olive and jalapeno pepper slices and black beans
Add more chips and repeat process two or three more times with cheese as last ingredient reserving some of the black beans, olives and jalapeno pepper slices to sprinkle on the top of the nachos
Place casserole dish in 225 degree oven and heat until cheese melts throughout
Remove from oven and add shredded lettuce, tomatoes, onions and remaining black beans, olives and jalapeno pickle slices
Add a few scoops of sour cream and Fresh Guacamole and serve