(if you choose to add ground beef) Heat olive oil in a large skillet over medium to medium high heat. Add
ground beef, carlic, and cook until beef has browned.Stir in taco seasoning. Drain excess fat.
Place tortilla chips in a single layer onto the prepared baking sheet. Top with ground beef, black beans, corn and cheeses
Place into oven abd abke until heated through and the cheeses have melted, about 5-6 minutes.
Serve immediatly, top with tomato, onion, jalapeno, and cilantro