Place a layer of tortilla chips on a platter or plate.
Top with a layer of the beef/bean mixture; add all but 1/4 cup of the cheddar cheese.
Add another layer of chips, another layer of the beef/bean mixture and the Monterey Jack cheese.
Add a final small layer of chips, a small layer of beef and beans and a final sprinkling of cheddar.
Microwave in 45 second increments until the cheese is melted and bubbly.
Alternatively, place an ovenproof platter into a 325˚F pre-heated; leave in until the cheese is melted.
Immediately sprinkle on the diced avocado and plenty of pico de gallo.
Add dollops of sour cream here and there; serve while warm.