Easy Vegetarian Nachos

1 14-oz bag tortilla chips
2 cans refried beans
1/2 lb grated cheddar cheese, about 3 cups
6 pickled jalapeno peppers, sliced
3 green onions, chopped
2 roma tomatoes, chopped

Toppings:
Salsa
Guacamole
Sour cream
Sliced olives
Sliced jalapenos
Fresh cilantro, chopped

Preheat the oven to 350°F. Arrange a layer of tortilla chips along the bottom of a wide, shallow baking pan. The chips can overlap. Drop the refried beans over the chips in small dollops, evenly distributed over all the chips. Sprinkle the onions and tomatoes over the beans. Sprinkle the grated cheese over the top of chips and beans. Then sprinkle the slices of jalapeño peppers over the cheese. Bake in oven for 10 – 12 minutes, or until cheese is melted. Serve with the toppings.