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A nacho, in it traditional form, is a Tex-Mex cuisine creation consisting of a quartered tostada topped with a layer refried beans and/or various meats and a layer of shredded cheese. The dish is heated enough to melt the cheese and served hot. Nachos are often garnished with sour cream, guacamole or jalapeno peppers. In a common modern variation, they are made simply with chips covered simply with a spiced melted cheese, such as American or cheddar.