This is from Nikki and David Goldbeck's American Wholefoods Cuisine.
It's been adjusted a bit over the years, as usual. It's a nice dish for a Sunday dinner, with mashed potatoes, gravy and green beans.
1 cup soft bread crumbs
2 cups grated cheddar cheese
2 cups cooked beans or 1- 16 ounce can vegetarian refried beans
1 teaspoon grated onion or 1/2 teaspoon onion powder
1 tablespoon chili powder
1 teaspoon salt, less if the beans are salted
1/2 cup ketchup, catsup, or whatever
1 ) Preheat oven to 350. Shred bread, cheese and mash beans in that order to save utensils.
2 ) Combine everything but ketchup , dump in a greased casserole, and pour ketchup over the top.
3 ) Bake for about 40 minutes.